IRON WORKERS SAVINGS BANK

ASTON, PA · Supervised by FDIC

Est. 1879FDIC #28,908RSSD: FDIC-28908

Satisfactory Same

Current rating · Exam: November 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.14%

Is this bank safe?

IRON WORKERS SAVINGS BANK holds a Satisfactory CRA rating (2022), meets basic financial requirements (ROA +0.14%).

Institution Profile

FDIC BankFind

Website

www.iwsb.com

Address

3333 Concord Rd, ASTON, PA

County

Delaware County

Established

January 1, 1879

Total Assets

$213M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2022

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Nov 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$213M

Total Deposits

$186M

Net Loans

$164M

Net Income

$75K

ROA

0.14%

Below avg for Small banks. Peer avg: 0.44%

ROE

1.79%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.14%Peer avg: 0.44%▼ Below avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate2.08%Peer avg: 6.90%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$182M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	48	83.33%	2.08%
2023	68	85.29%	10.29%
2022	118	87.29%	5.93%
2021	121	88.43%	4.13%
2020	118	88.98%	2.54%
2019	57	80.7%	8.77%
2018	65	81.54%	9.23%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Nov 2022	Satisfactory	Small Bank
Mar 2017	Satisfactory	Small Bank
Mar 2011	Satisfactory	Small Bank

2 previous ratings locked — back to 2001

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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