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First Federal Savings and Loan Bank

$100M-$1B Specialty: Mortgage KS FDIC cert 28635

Olathe, KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
  • Deposits -6.6% year over year ($91.8M on the books).
  • Delinquency rate 1.30%.
  • Return on assets 3.31%.
  • Efficiency ratio 27.75% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.40% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS
View $100M-$1B leaderboard (KS) →

First Federal Savings and Loan Bank has 3 strengths but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Return on Assets 1.99% above tier average
  • + Efficiency Ratio 36.73% below tier average
  • + Net Interest Margin 0.83% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 1.0% in tier
  • - Cost Spiral: Bottom 7.2% in tier
  • - Deposit Outflow: Bottom 19.8% in tier
  • - Capital Constraint: Bottom 22.4% in tier
  • - Non-Interest-Bearing Deposit Share 20.53% below tier average
  • - Non-Interest Income / Assets 0.55% below tier average
  • - Delinquency Rate 0.38% above tier average
Get updates when First Federal Savings and Loan Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $109.5M
-6.0% YoY -0.3% QoQ
-$277.1M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
Bottom 2.6% in tier
Total Loans ? $85.7M
-7.1% YoY -1.7% QoQ
-$172.6M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
Bottom 12.7% in tier
Total Deposits ? $91.8M
-6.6% YoY +0.4% QoQ
-$234.9M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
Bottom 3.2% in tier
Return on Assets ? 3.31%
-10.8% YoY -3.9% QoQ
+1.99% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
Top 1.4% in tier
Net Interest Margin ? 4.82%
+3.9% YoY +3.1% QoQ
+0.83% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
Top 11.5% in tier
Efficiency Ratio ? 27.75%
+38.5% YoY +24.7% QoQ
-36.73% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
Top 0.5% in tier
Delinquency Rate ? 1.30%
-26.6% YoY +0.4% QoQ
+0.38% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
22%
Loan-to-Deposit Ratio ? 93.40%
-0.5% YoY -2.1% QoQ
+15.45% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
19%
Non-Interest-Bearing Deposit Share ? 1.50%
+5.9% YoY -7.2% QoQ
-20.53% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
Bottom 1.4% in tier
Nonperforming Asset Ratio ? 1.02%
-46.4% YoY -1.1% QoQ
+0.35% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
20%
Tier 1 Capital Ratio ? 12.27%
+8.3% YoY +0.4% QoQ
-3.64% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
39%
Non-Interest Income / Assets ? 0.01%
-90.1% YoY +134.0% QoQ
-0.55% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
Bottom 1.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 1.5%
+0.1pp YoY
-0.1pp QoQ
 -20.6pp 22.1% 22.3% 22.2% 1%
Brokered Deposits 40.2%
-3.8pp YoY
-1.0pp QoQ
 +32.3pp 7.9% 8.7% 8.5% 98%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 0.6%
+0.3pp YoY
0.0pp QoQ
 -10.9pp 11.6% 12.6% 12.5% 2%
CRE 5.4%
-0.4pp YoY
-1.1pp QoQ
 -34.1pp 39.5% 28.8% 41.4% 1%
1-4 Family 95.1%
+0.2pp YoY
+1.2pp QoQ
 +62.5pp 32.6% 26.7% 31.3% 99%
Consumer 0.0%
0.0pp QoQ
 -4.1pp 4.1% 4.6% 5.0% 0%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.3% 19.7% n/a
Leverage Ratio 12.3%
+0.9pp YoY
0.0pp QoQ
 +0.1pp 12.2% 12.6% 12.6% 68%
Total Capital Ratio n/a n/a 19.9% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 7
+1 (+16.7%) YoY
0 QoQ
 -52 58 70 482 0%
Assets per Employee ($) $15.6M
-19.4% YoY
-0.3% QoQ
 +$8.1M $7.5M $7.1M $8.8M 98%
Branch Count 1
0 YoY
0 QoQ
 -4 4 6 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 1.3%
-0.5pp YoY
0.0pp QoQ
 +0.4pp 0.9% 0.8% 1.0% 78%
Allowance Coverage 0.91x
+46.7% YoY
+1.3% QoQ
 -23.24x 24.15x 22.44x 20.23x 24%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 27.1%
-4.9pp YoY
-1.1pp QoQ
 +14.9pp 12.2% 14.3% 11.6% 97%
Cost of Funds (YTD) 3.3%
-0.2pp YoY
0.0pp QoQ
 +1.6pp 1.7% 1.6% 1.7% 99%
Net Income ($, YTD) $1.8M
-16.0% YoY
— QoQ
 -$744K $2.6M $3.7M $40.4M 48%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Liquidity Strain

risk
#8 of 691 • Bottom 1.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.40%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Cost Spiral

risk
#11 of 138 • Bottom 7.2% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 27.75%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

Deposit Outflow

decline
#107 of 535 • Bottom 19.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Capital Constraint

risk
#25 of 107 • Bottom 22.4% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 93.40%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 12.27%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

15
Efficiency Ratio
profitability
Value: 27.75%
Peer Median: 64.48%
#15 of 2643 Top 0.5% in $100M-$1B
37
Return on Assets
profitability
Value: 3.31%
Peer Median: 1.32%
#37 of 2643 Top 1.4% in $100M-$1B
305
Net Interest Margin
profitability
Value: 4.82%
Peer Median: 3.99%
#305 of 2643 Top 11.5% in $100M-$1B

Top Weaknesses (8 metrics)

2610
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.57%
#2610 of 2643 Bottom 1.3% in $100M-$1B
2608
Non-Interest-Bearing Deposit Share
funding
Value: 1.50%
Peer Median: 22.03%
#2608 of 2643 Bottom 1.4% in $100M-$1B
2574
Total Assets
size
Value: $109.49M
Peer Median: $386.57M
#2574 of 2643 Bottom 2.6% in $100M-$1B
2560
Total Deposits
size
Value: $91.79M
Peer Median: $326.73M
#2560 of 2643 Bottom 3.2% in $100M-$1B
2308
Total Loans
size
Value: $85.74M
Peer Median: $258.35M
#2308 of 2643 Bottom 12.7% in $100M-$1B
2133
Loan-to-Deposit Ratio
liquidity
Value: 93.40%
Peer Median: 77.95%
#2133 of 2643 Bottom 19.3% in $100M-$1B
2116
Nonperforming Asset Ratio
credit_quality
Value: 1.02%
Peer Median: 0.67%
#2116 of 2643 Bottom 20.0% in $100M-$1B
2053
Delinquency Rate
credit_quality
Value: 1.30%
Peer Median: 0.92%
#2053 of 2633 Bottom 22.1% in $100M-$1B
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