This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Ford City, PA
Health score
72.0
Total assets
$95.1M
Bank
Rochester, PA
Health score
71.4
Total assets
$122.9M
Answer first
Armstrong County Building and Loan Association leads on financial health and lending quality; Farmers Building and Savings Bank leads on capitalization and profitability and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Armstrong County Building and Loan Association
Higher TFS health score
Capitalization
Farmers Building and Savings Bank
Higher comparable capital ratio
Profitability
Farmers Building and Savings Bank
Higher return on assets
Lending quality
Armstrong County Building and Loan Association
Lower problem-loan measure
Growth
Farmers Building and Savings Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Armstrong County Building and Loan Association | Farmers Building and Savings Bank |
|---|---|---|
| TFS health score | 72.0/100Leads | 71.4/100 |
| Total assets | $95.1M | $122.9M |
| Total deposits / shares | $82.7M | $96.4M |
| Tier 1 capital ratio | 12.50% | 20.46%Leads |
| Return on assets | 0.27% | 0.51%Leads |
| Return on equity | 2.14% | 2.50% |
Armstrong County Building and Loan Association
1 branches
Farmers Building and Savings Bank
1 branches
Both institutions report branches in 1 state: PA.
Armstrong County Building and Loan Association
Unavailable
Farmers Building and Savings Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Armstrong County Building and Loan Association
0 in TFS registry
Farmers Building and Savings Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Armstrong County Building and Loan Association score | Armstrong County Building and Loan Association ROA | Farmers Building and Savings Bank score | Farmers Building and Savings Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | -0.31% | — | 0.20% |
| 2024-Q4 | — | -0.34% | — | 0.19% |
| 2025-Q1 | — | -0.08% | — | 0.31% |
| 2025-Q2 | — | 0.03% | — | 0.17% |
| 2025-Q3 | — | 0.10% | — | 0.26% |
| 2025-Q4 | — | 0.07% | — | 0.32% |
| 2026-Q1 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 1.09%Leads | 1.57% |
| Net charge-offs | -0.00%Leads | 0.00% |
| Efficiency ratio | 78.73% | 74.52%Leads |
| Loan-to-deposit ratio | 79.35% | 61.43% |
| Asset growth (YoY) | -0.99% | 3.41%Leads |
| Deposit / share growth (YoY) | 1.13% | 3.71%Leads |
| Branches | 1 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 73.6/100 |
| 0.13% |
| 71.4/100 |
| 0.58% |
| 2026-Q2 | 72.0/100 | 0.27% | 71.4/100 | 0.51% |