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First Federal Savings Bank of Angola

$100M-$1B Specialty: Mortgage IN FDIC cert 28769

Designations: ✓ Mutual

Angola, IN

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 60 in IN.
  • Deposits +2.6% year over year ($103.5M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.03%.
  • Efficiency ratio 65.80% vs a 64.48% peer average.
  • Loan-to-deposit ratio 103.54% 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 60 in IN
View $100M-$1B leaderboard (IN) →

First Federal Savings Bank of Angola has 2 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

  • + Credit Quality Leader: Top 40.4% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 8.0% in tier
  • - Flatlined Growth: Bottom 30.6% in tier
  • - ROA 0.29% below tier average
  • - Net Interest Margin 0.15% below tier average
  • - Efficiency Ratio 1.32% above tier average
Get updates when First Federal Savings Bank of Angola releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $137.3M
-0.5% YoY -1.8% QoQ
-$249.3M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
Bottom 10.1% in tier
Total Loans ? $107.2M
+4.6% YoY +1.1% QoQ
-$151.1M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
21%
Total Deposits ? $103.5M
+2.6% YoY -2.7% QoQ
-$223.2M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
Bottom 6.4% in tier
Return on Assets ? 1.03%
+12.7% YoY +14.0% QoQ
-0.29% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
36%
Net Interest Margin ? 3.84%
+9.5% YoY +3.1% QoQ
-0.15% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
44%
Efficiency Ratio ? 65.80%
-1.2% YoY -4.6% QoQ
+1.32% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
40%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 103.54%
+1.9% YoY +3.9% QoQ
+25.59% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
Bottom 6.7% in tier
Non-Interest-Bearing Deposit Share ? 23.81%
-4.5% YoY -6.1% QoQ
+1.78% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
62%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 23.28%
+2.6% YoY +0.9% QoQ
+7.37% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
Top 8.6% in tier
Non-Interest Income / Assets ? 0.14%
+6.5% YoY +106.9% QoQ
-0.42% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
32%

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 (IN) National Avg Tier Percentile
Noninterest-Bearing 23.8%
-1.1pp YoY
-1.5pp QoQ
 +1.7pp 22.1% 16.8% 22.2% 62%
Brokered Deposits n/a n/a 7.9% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 0.2%
+0.1pp YoY
+0.1pp QoQ
 -11.3pp 11.6% 11.1% 12.5% 1%
CRE n/a n/a 39.5% 36.2% 41.4% n/a
1-4 Family 93.5%
+0.3pp YoY
+0.2pp QoQ
 +60.9pp 32.6% 40.0% 31.3% 99%
Consumer 2.9%
-0.2pp YoY
0.0pp QoQ
 -1.2pp 4.1% 3.2% 5.0% 59%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.5% 19.7% n/a
Leverage Ratio 23.3%
+0.6pp YoY
+0.2pp QoQ
 +11.1pp 12.2% 13.0% 12.6% 98%
Total Capital Ratio n/a n/a 19.9% 18.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 23
+1 (+4.5%) YoY
+1 (+4.5%) QoQ
 -36 58 237 482 15%
Assets per Employee ($) $6.0M
-4.8% YoY
-6.1% QoQ
 -$1.6M $7.5M $7.5M $8.8M 33%
Branch Count 1
0 YoY
0 QoQ
 -4 4 17 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 6.71x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 20%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 4.3%
+0.3pp YoY
+0.5pp QoQ
 -7.9pp 12.2% 11.2% 11.6% 11%
Cost of Funds (YTD) 0.6%
+0.1pp YoY
0.0pp QoQ
 -1.1pp 1.7% 1.8% 1.7% 3%
Net Income ($, YTD) $711,000
+12.9% YoY
— QoQ
 -$1.8M $2.6M $16.3M $40.4M 17%

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 (1)

Credit Quality Leader

growth
#267 of 659 • Top 40.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk
#60 of 742 • Bottom 8.0% 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: 23.28%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 103.54%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#163 of 529 • Bottom 30.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.03%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 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)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
229
Tier 1 Capital Ratio
capital
Value: 23.28%
Peer Median: 15.91%
#229 of 2643 Top 8.6% in $100M-$1B

Top Weaknesses (4 metrics)

2476
Total Deposits
size
Value: $103.54M
Peer Median: $326.73M
#2476 of 2643 Bottom 6.4% in $100M-$1B
2468
Loan-to-Deposit Ratio
liquidity
Value: 103.54%
Peer Median: 77.95%
#2468 of 2643 Bottom 6.7% in $100M-$1B
2376
Total Assets
size
Value: $137.26M
Peer Median: $386.57M
#2376 of 2643 Bottom 10.1% in $100M-$1B
2086
Total Loans
size
Value: $107.21M
Peer Median: $258.35M
#2086 of 2643 Bottom 21.1% in $100M-$1B
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