BlastPoint's Banking Scorecard

First Federal Savings Bank of Angola

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

Designations: ✓ Mutual

Angola, IN

2664 banks in the $100M-$1B peer group nationally 60 in 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 8.9% in tier
- Flatlined Growth: Bottom 45.5% in tier
- ROA 0.37% below tier average
- Net Interest Margin 0.21% below tier average
- Efficiency Ratio 3.77% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$139.8M +1.5% YoY +1.6% QoQ	-$246.3M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	Bottom 11.1% in tier
Total Loans ?	$106.1M +7.0% YoY +0.0% QoQ	-$149.6M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	21%
Total Deposits ?	$106.4M +0.5% YoY +1.6% QoQ	-$221.6M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	Bottom 7.4% in tier
Return on Assets ?	0.90% +8.6% YoY -7.0% QoQ	-0.37%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	32%
Net Interest Margin ?	3.72% +6.9% YoY +2.8% QoQ	-0.21%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	42%
Efficiency Ratio ?	69.05% -0.6% YoY +4.4% QoQ	+3.77%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	35%
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	99.68% +6.4% YoY -1.6% QoQ	+23.04%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	Bottom 8.8% in tier
Non-Interest-Bearing Deposit Share ?	25.35% +6.4% YoY +2.0% QoQ	+3.33%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	67%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	23.06% +3.5% YoY -0.1% QoQ	+7.23%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	Top 8.3% in tier
Non-Interest Income / Assets ?	0.07% +7.5% YoY -74.6% QoQ	-0.21%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	31%

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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 (2)

Liquidity Overhang

risk

#67 of 739 • Bottom 8.9% 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: 23.06%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 99.68%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#234 of 512 • Bottom 45.5% 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: 0.90%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank declining

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)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

223

Tier 1 Capital Ratio

capital

Value: 23.06%

Peer Median: 15.83%

#223 of 2664 Top 8.3% in $100M-$1B

Top Weaknesses (4 metrics)

2467

Total Deposits

size

Value: $106.42M

Peer Median: $327.97M

#2467 of 2664 Bottom 7.4% in $100M-$1B

2431

Loan-to-Deposit Ratio

liquidity

Value: 99.68%

Peer Median: 76.64%

#2431 of 2664 Bottom 8.8% in $100M-$1B

2368

Total Assets

size

Value: $139.82M

Peer Median: $386.08M

#2368 of 2664 Bottom 11.1% in $100M-$1B

2094

Total Loans

size

Value: $106.08M

Peer Median: $255.72M

#2094 of 2664 Bottom 21.4% in $100M-$1B