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First Federal Savings Bank

$100M-$1B Specialty: Commercial IN FDIC cert 29056

Evansville, IN

10 branches across IN · KY

2664 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (IN) →

First Federal Savings Bank has 1 strength but faces 8 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 0.56% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 0.8% in tier
  • - Liquidity Strain: Bottom 2.8% in tier
  • - Capital Constraint: Bottom 11.1% in tier
  • - Deposit Outflow: Bottom 23.3% in tier
  • - Return on Assets 0.98% below tier average
  • - Efficiency Ratio 26.88% above tier average
  • - Non-Interest-Bearing Deposit Share 14.18% below tier average
  • - Net Interest Margin 0.83% below tier average
Get updates when First Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $579.0M
-4.3% YoY -4.3% QoQ
+$192.9M $386.1M
+0.5% YoY
$2.5B
+12.1% YoY
$6.2B
+9.1% YoY
79%
Total Loans ? $426.7M
-5.3% YoY -5.0% QoQ
+$171.0M $255.7M
+1.1% YoY
$1.7B
+14.1% YoY
$3.2B
+10.8% YoY
82%
Total Deposits ? $458.0M
-5.4% YoY -6.1% QoQ
+$130.1M $328.0M
+0.1% YoY
$2.0B
+11.8% YoY
$4.8B
+8.2% YoY
76%
Return on Assets ? 0.29%
+59.3% YoY -20.6% QoQ
-0.98% 1.27%
+12.9% YoY
0.81%
-6.6% YoY
1.23%
+13.4% YoY
Bottom 7.7% in tier
Net Interest Margin ? 3.10%
+13.5% YoY +6.4% QoQ
-0.83% 3.93%
+6.0% YoY
3.60%
+8.5% YoY
3.89%
+5.7% YoY
Bottom 14.4% in tier
Efficiency Ratio ? 92.17%
-3.8% YoY +2.8% QoQ
+26.88% 65.29%
-4.5% YoY
105.71%
+27.0% YoY
66.95%
-4.1% YoY
Bottom 5.0% in tier
Delinquency Rate ? 0.33%
-82.5% YoY +47.3% QoQ
-0.56% 0.89%
+18.8% YoY
0.90%
+15.9% YoY
0.95%
+18.8% YoY
55%
Loan-to-Deposit Ratio ? 93.16%
+0.1% YoY +1.1% QoQ
+16.52% 76.64%
+0.8% YoY
81.10%
+0.7% YoY
76.70%
+0.9% YoY
18%
Non-Interest-Bearing Deposit Share ? 7.84%
+1.7% YoY +2.4% QoQ
-14.18% 22.02%
-1.0% YoY
17.15%
-0.9% YoY
22.01%
-1.2% YoY
Bottom 6.9% in tier
Nonperforming Asset Ratio ? 0.24%
-83.4% YoY +16.8% QoQ
-0.39% 0.64%
+19.7% YoY
0.67%
+21.6% YoY
0.67%
+19.3% YoY
55%
Tier 1 Capital Ratio ? 9.38%
-23.7% YoY -27.9% QoQ
-6.45% 15.83%
+1.5% YoY
16.04%
+1.8% YoY
17.06%
+0.8% YoY
Bottom 3.4% in tier
Non-Interest Income / Assets ? 0.14%
+13.9% YoY -76.9% QoQ
-0.14% 0.28%
+9.3% YoY
0.79%
-14.5% YoY
0.32%
+4.1% YoY
71%

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 (4)

Capital Thin

risk
#6 of 666 • Bottom 0.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.38%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ

Liquidity Strain

risk
#19 of 643 • Bottom 2.8% 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: 93.16%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ

Capital Constraint

risk
#13 of 108 • Bottom 11.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 93.16%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
Tier 1 Capital Ratio: 9.38%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
108 of 108 Community banks match · 148 nationally
↑ Growing +19 banks QoQ

Deposit Outflow

decline
#119 of 506 • Bottom 23.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

474
Total Loans
size
Value: $426.69M
Peer Median: $255.72M
#474 of 2664 Top 17.8% in $100M-$1B
567
Total Assets
size
Value: $578.95M
Peer Median: $386.08M
#567 of 2664 Top 21.2% in $100M-$1B
643
Total Deposits
size
Value: $458.03M
Peer Median: $327.97M
#643 of 2664 Top 24.1% in $100M-$1B

Top Weaknesses (6 metrics)

2574
Tier 1 Capital Ratio
capital
Value: 9.38%
Peer Median: 15.83%
#2574 of 2664 Bottom 3.4% in $100M-$1B
2531
Efficiency Ratio
profitability
Value: 92.17%
Peer Median: 65.29%
#2531 of 2664 Bottom 5.0% in $100M-$1B
2480
Non-Interest-Bearing Deposit Share
funding
Value: 7.84%
Peer Median: 22.02%
#2480 of 2664 Bottom 6.9% in $100M-$1B
2461
Return on Assets
profitability
Value: 0.29%
Peer Median: 1.27%
#2461 of 2664 Bottom 7.7% in $100M-$1B
2282
Net Interest Margin
profitability
Value: 3.10%
Peer Median: 3.93%
#2282 of 2664 Bottom 14.4% in $100M-$1B
2186
Loan-to-Deposit Ratio
liquidity
Value: 93.16%
Peer Median: 76.64%
#2186 of 2664 Bottom 18.0% in $100M-$1B
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