BlastPoint's Banking Scorecard

First Federal Savings of Middletown

$100M-$1B Specialty: Commercial NY FDIC cert 28712

Middletown, NY

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 48 in NY.
Deposits +3.4% year over year ($112.3M on the books).
Delinquency rate 0.00%.
Return on assets 1.86%.
Efficiency ratio 45.69% vs a 64.48% peer average.
Loan-to-deposit ratio 132.60% 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 48 in NY

View $100M-$1B leaderboard (NY) →

First Federal Savings of Middletown has 5 strengths but faces 5 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

+ Net Interest Margin 1.14% above tier average
+ Efficiency Ratio 18.79% below tier average
+ Delinquency Rate 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ ROA 0.54% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.8% in tier
- Liquidity Strain: Bottom 44.7% in tier
- Margin Compression: Bottom 59.9% in tier
- Non-Interest-Bearing Deposit Share 18.67% below tier average
- Non-Interest Income / Assets 0.51% below tier average

Get updates when First Federal Savings of Middletown releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$188.0M +3.9% YoY +1.1% QoQ	-$198.6M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	23%
Total Loans ?	$148.8M -1.2% YoY -0.6% QoQ	-$109.5M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	34%
Total Deposits ?	$112.3M +3.4% YoY +0.9% QoQ	-$214.5M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	Bottom 9.3% in tier
Return on Assets ?	1.86% -16.9% YoY -10.7% QoQ	+0.54%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	83%
Net Interest Margin ?	5.13% -2.4% YoY +0.0% QoQ	+1.14%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	Top 6.3% in tier
Efficiency Ratio ?	45.69% +5.2% YoY -9.0% QoQ	-18.79%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Top 9.8% in tier
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.92%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	132.60% -4.4% YoY -1.5% QoQ	+54.65%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Bottom 0.5% in tier
Non-Interest-Bearing Deposit Share ?	3.36% -22.2% YoY -17.2% QoQ	-18.67%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	Bottom 2.2% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.67%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	36.94% +1.9% YoY +0.1% QoQ	+21.03%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	Top 2.3% in tier
Non-Interest Income / Assets ?	0.05% -3.7% YoY +97.8% QoQ	-0.51%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	Bottom 6.1% 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 (NY)	National Avg	Tier Percentile
Noninterest-Bearing	3.4% -1.0pp YoY -0.7pp QoQ	-18.8pp	22.1%	22.1%	22.2%	2%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	1.5% +0.8pp YoY -0.4pp QoQ	-10.0pp	11.6%	11.0%	12.5%	5%
CRE	97.9% -0.5pp YoY +0.4pp QoQ	+58.4pp	39.5%	46.2%	41.4%	100%
1-4 Family	1.6% -0.4pp YoY 0.0pp QoQ	-31.0pp	32.6%	36.6%	31.3%	2%
Consumer	n/a	n/a	4.1%	5.1%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	26.1%	19.7%	n/a
Leverage Ratio	36.9% +0.7pp YoY 0.0pp QoQ	+24.8pp	12.2%	13.9%	12.6%	99%
Total Capital Ratio	n/a	n/a	19.9%	27.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	13 0 YoY 0 QoQ	-46	58	914	482	2%
Assets per Employee ($)	$14.5M +3.9% YoY +1.1% QoQ	+$6.9M	$7.5M	$14.8M	$8.8M	96%
Branch Count	1 0 YoY 0 QoQ	-4	4	27	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.3%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	1.92x	20.23x	n/a
Net Charge-off Rate (YTD)	0.5% 0.0pp YoY	+0.3pp	0.1%	0.1%	0.2%	93%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	5.1% -1.2pp YoY -0.6pp QoQ	-7.1pp	12.2%	7.9%	11.6%	14%
Cost of Funds (YTD)	1.2% -0.1pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.8%	1.7%	17%
Net Income ($, YTD)	$1.7M -15.0% YoY — QoQ	-$833K	$2.6M	$111.2M	$40.4M	47%

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

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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 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 (3)

Liquidity Overhang

risk

#7 of 742 • Bottom 0.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 36.94%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 132.60%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ

Liquidity Strain

risk

#310 of 691 • Bottom 44.7% 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: 132.60%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Margin Compression

decline

#185 of 307 • Bottom 59.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.86%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 36.94%

Peer Median: 15.91%

#62 of 2643 Top 2.3% in $100M-$1B

168

Net Interest Margin

profitability

Value: 5.13%

Peer Median: 3.99%

#168 of 2643 Top 6.3% in $100M-$1B

259

Efficiency Ratio

profitability

Value: 45.69%

Peer Median: 64.48%

#259 of 2643 Top 9.8% in $100M-$1B

454

Return on Assets

profitability

Value: 1.86%

Peer Median: 1.32%

#454 of 2643 Top 17.1% in $100M-$1B

Top Weaknesses (5 metrics)

2631

Loan-to-Deposit Ratio

liquidity

Value: 132.60%

Peer Median: 77.95%

#2631 of 2643 Bottom 0.5% in $100M-$1B

2585

Non-Interest-Bearing Deposit Share

funding

Value: 3.36%

Peer Median: 22.03%

#2585 of 2643 Bottom 2.2% in $100M-$1B

2482

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2482 of 2643 Bottom 6.1% in $100M-$1B

2397

Total Deposits

size

Value: $112.25M

Peer Median: $326.73M

#2397 of 2643 Bottom 9.3% in $100M-$1B

2026

Total Assets

size

Value: $187.96M

Peer Median: $386.57M

#2026 of 2643 Bottom 23.4% in $100M-$1B