BlastPoint's Banking Scorecard
First Federal Savings and Loan Association
Designations: ✓ Community bank ✓ Mutual
Centerburg, OH
First Federal Savings and Loan Association has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.39% below tier average
- - Efficiency Ratio 35.40% above tier average
- - Non-Interest-Bearing Deposit Share 23.71% below tier average
- - ROA 0.84% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$23.0M
+0.1% YoY
+2.6% QoQ
|
-$39.2M |
$62.2M
-0.6% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.9% in tier |
| Total Loans ? |
$13.8M
-1.9% YoY
-0.6% QoQ
|
-$20.5M |
$34.2M
-1.4% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
17% |
| Total Deposits ? |
$17.2M
+0.8% YoY
+3.5% QoQ
|
-$34.5M |
$51.7M
-0.7% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.0% in tier |
| Return on Assets ? |
0.00%
+100.0% YoY
+100.0% QoQ
|
-0.84% |
0.84%
-2.3% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
2.47%
+1.9% YoY
+0.2% QoQ
|
-1.39% |
3.86%
+2.8% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 6.7% in tier |
| Efficiency Ratio ? |
123.74%
+2.5% YoY
-2.9% QoQ
|
+35.40% |
88.34%
+0.3% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.0% in tier |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
80.11%
-2.7% YoY
-4.0% QoQ
|
+15.90% |
64.22%
-0.7% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -23.71% |
23.71%
+0.3% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.0% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.79% |
0.79%
+28.2% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
22.26%
+0.6% YoY
-0.2% QoQ
|
-4.43% |
26.68%
+2.0% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.06%
+62.3% YoY
-49.3% QoQ
|
-0.61% |
0.67%
+1.9% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
47% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.