BlastPoint's Banking Scorecard

First Federal Savings and Loan Bank

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

Olathe, KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

First Federal Savings and Loan Bank has 3 strengths but faces 6 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 2.18% above tier average
+ Efficiency Ratio 43.03% below tier average
+ Net Interest Margin 0.75% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 2.6% in tier
- Deposit Outflow: Bottom 21.7% in tier
- Capital Constraint: Bottom 29.6% in tier
- Credit Quality Pressure: Bottom 47.8% in tier
- Non-Interest-Bearing Deposit Share 20.40% below tier average
- Non-Interest Income / Assets 0.27% below tier average

Get updates when First Federal Savings and Loan Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$109.8M -6.9% YoY +0.8% QoQ	-$276.3M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Bottom 2.7% in tier
Total Loans ?	$87.3M -9.7% YoY -2.9% QoQ	-$168.5M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Bottom 14.5% in tier
Total Deposits ?	$91.4M -7.4% YoY +0.4% QoQ	-$236.5M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Bottom 3.0% in tier
Return on Assets ?	3.45% -16.8% YoY +1.2% QoQ	+2.18%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Top 1.1% in tier
Net Interest Margin ?	4.68% -1.6% YoY +1.3% QoQ	+0.75%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	Top 13.5% in tier
Efficiency Ratio ?	22.26% +26.4% YoY -8.2% QoQ	-43.03%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Top 0.3% in tier
Delinquency Rate ?	1.29% +9.1% YoY -29.0% QoQ	+0.41%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	23%
Loan-to-Deposit Ratio ?	95.44% -2.5% YoY -3.4% QoQ	+18.80%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	15%
Non-Interest-Bearing Deposit Share ?	1.62% +4.4% YoY +90.6% QoQ	-20.40%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	Bottom 1.3% in tier
Nonperforming Asset Ratio ?	1.03% -26.5% YoY -45.9% QoQ	+0.39%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	19%
Tier 1 Capital Ratio ?	12.22% +3.8% YoY +2.2% QoQ	-3.61%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.01% -95.7% YoY -96.5% QoQ	-0.27%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	Bottom 0.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#18 of 643 • Bottom 2.6% 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: 95.44%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#111 of 506 • Bottom 21.7% in tier

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

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Capital Constraint

risk

#33 of 108 • Bottom 29.6% 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: 95.44%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 12.22%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#626 of 1308 • Bottom 47.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 1.29%

(Tier: 0.89%, National: 0.95%)

worse than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Efficiency Ratio

profitability

Value: 22.26%

Peer Median: 65.29%

#8 of 2664 Top 0.3% in $100M-$1B

Return on Assets

profitability

Value: 3.45%

Peer Median: 1.27%

#30 of 2664 Top 1.1% in $100M-$1B

361

Net Interest Margin

profitability

Value: 4.68%

Peer Median: 3.93%

#361 of 2664 Top 13.5% in $100M-$1B

Top Weaknesses (8 metrics)

2640

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2640 of 2664 Bottom 0.9% in $100M-$1B

2631

Non-Interest-Bearing Deposit Share

funding

Value: 1.62%

Peer Median: 22.02%

#2631 of 2664 Bottom 1.3% in $100M-$1B

2593

Total Assets

size

Value: $109.78M

Peer Median: $386.08M

#2593 of 2664 Bottom 2.7% in $100M-$1B

2584

Total Deposits

size

Value: $91.44M

Peer Median: $327.97M

#2584 of 2664 Bottom 3.0% in $100M-$1B

2279

Total Loans

size

Value: $87.26M

Peer Median: $255.72M

#2279 of 2664 Bottom 14.5% in $100M-$1B

2265

Loan-to-Deposit Ratio

liquidity

Value: 95.44%

Peer Median: 76.64%

#2265 of 2664 Bottom 15.0% in $100M-$1B

2160

Nonperforming Asset Ratio

credit_quality

Value: 1.03%

Peer Median: 0.64%

#2160 of 2664 Bottom 19.0% in $100M-$1B

2057

Delinquency Rate

credit_quality

Value: 1.29%

Peer Median: 0.89%

#2057 of 2654 Bottom 22.5% in $100M-$1B