BlastPoint's Banking Scorecard
First Federal Savings of Middletown
Middletown, NY
First Federal Savings of Middletown has 4 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.20% above tier average
- + ROA 0.81% above tier average
- + Efficiency Ratio 15.09% below tier average
- + Delinquency Rate 0.65% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 0.7% in tier
- - Credit Quality Pressure: Bottom 11.5% in tier
- - Liquidity Strain: Bottom 26.8% in tier
- - Non-Interest-Bearing Deposit Share 17.96% below tier average
- - Non-Interest Income / Assets 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$185.9M
+1.8% YoY
+2.3% QoQ
|
-$200.2M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$149.8M
-4.5% YoY
-1.5% QoQ
|
-$105.9M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
36% |
| Total Deposits ? |
$111.3M
-0.3% YoY
+3.1% QoQ
|
-$216.7M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 9.0% in tier |
| Return on Assets ? |
2.08%
-1.9% YoY
+12.2% QoQ
|
+0.81% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Top 10.8% in tier |
| Net Interest Margin ? |
5.13%
+1.8% YoY
-1.7% QoQ
|
+1.20% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Top 5.6% in tier |
| Efficiency Ratio ? |
50.20%
+10.1% YoY
-3.4% QoQ
|
-15.09% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
84% |
| Delinquency Rate ? |
0.23%
+4.7% YoY
+1.5% QoQ
|
-0.65% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
134.62%
-4.3% YoY
-4.4% QoQ
|
+57.99% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 0.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.06%
-22.5% YoY
+34.3% QoQ
|
-17.96% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 2.8% in tier |
| Nonperforming Asset Ratio ? |
0.19%
-1.8% YoY
-2.2% QoQ
|
-0.45% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
60% |
| Tier 1 Capital Ratio ? |
36.91%
+3.5% YoY
-0.2% QoQ
|
+21.08% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
Top 1.9% in tier |
| Non-Interest Income / Assets ? |
0.03%
-67.0% YoY
-73.8% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.5% in tier |
Get Full Access to First Federal Savings of Middletown
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (3)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.