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First Federal Savings Bank

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

Evansville, IN

10 branches across IN · KY

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 -3.8% year over year ($472.8M on the books).
  • Delinquency rate 0.24%.
  • Return on assets 0.37%.
  • Efficiency ratio 89.40% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.77% 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 has 1 strength but faces 7 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 0.68% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 0.3% in tier
  • - Capital Constraint: Bottom 14.0% in tier
  • - Deposit Outflow: Bottom 33.8% in tier
  • - Return on Assets 0.95% below tier average
  • - Efficiency Ratio 24.92% above tier average
  • - Non-Interest-Bearing Deposit Share 15.23% below tier average
  • - Net Interest Margin 0.80% below tier average
Get updates when First Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $575.6M
-4.9% YoY -0.6% QoQ
+$189.0M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
79%
Total Loans ? $424.4M
-4.9% YoY -0.5% QoQ
+$166.1M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
81%
Total Deposits ? $472.8M
-3.8% YoY +3.2% QoQ
+$146.1M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
77%
Return on Assets ? 0.37%
+64.6% YoY +27.8% QoQ
-0.95% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
Bottom 9.0% in tier
Net Interest Margin ? 3.19%
+14.8% YoY +2.7% QoQ
-0.80% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
16%
Efficiency Ratio ? 89.40%
-5.2% YoY -3.0% QoQ
+24.92% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
Bottom 6.1% in tier
Delinquency Rate ? 0.24%
-43.5% YoY -27.8% QoQ
-0.68% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
63%
Loan-to-Deposit Ratio ? 89.77%
-1.2% YoY -3.6% QoQ
+11.82% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
27%
Non-Interest-Bearing Deposit Share ? 6.80%
+0.2% YoY -13.2% QoQ
-15.23% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
Bottom 5.6% in tier
Nonperforming Asset Ratio ? 0.20%
-48.2% YoY -18.1% QoQ
-0.47% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
61%
Tier 1 Capital Ratio ? 9.54%
-24.6% YoY +1.7% QoQ
-6.37% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
Bottom 5.4% in tier
Non-Interest Income / Assets ? 0.30%
+11.7% YoY +114.4% QoQ
-0.26% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
73%

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 6.8%
0.0pp YoY
-1.0pp QoQ
 -15.3pp 22.1% 16.8% 22.2% 5%
Brokered Deposits 11.1%
-13.0pp YoY
-5.7pp QoQ
 +3.3pp 7.9% 7.2% 8.5% 78%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 16.1%
-2.4pp YoY
-0.3pp QoQ
 +4.6pp 11.6% 11.1% 12.5% 80%
CRE 30.8%
+0.2pp YoY
-0.5pp QoQ
 -8.8pp 39.5% 36.2% 41.4% 36%
1-4 Family 51.2%
+1.6pp YoY
+0.2pp QoQ
 +18.6pp 32.6% 40.0% 31.3% 83%
Consumer 1.2%
+0.4pp YoY
+0.6pp QoQ
 -2.9pp 4.1% 3.2% 5.0% 35%

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 9.5%
+0.6pp YoY
+0.2pp QoQ
 -2.6pp 12.2% 13.0% 12.6% 22%
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 125
-4 (-3.1%) YoY
-4 (-3.1%) QoQ
 +66 58 237 482 94%
Assets per Employee ($) $4.6M
-1.8% YoY
+2.6% QoQ
 -$2.9M $7.5M $7.5M $8.8M 9%
Branch Count 10
0 YoY
0 QoQ
 +5 4 17 18 90%

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 0.2%
-0.2pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 33%
Allowance Coverage 4.90x
+88.1% YoY
+39.6% QoQ
 -19.26x 24.15x 6.71x 20.23x 70%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 43%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 4.0%
+1.3pp YoY
+0.8pp QoQ
 -8.1pp 12.2% 11.2% 11.6% 11%
Cost of Funds (YTD) 2.3%
-0.3pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.8% 1.7% 85%
Net Income ($, YTD) $1.1M
+58.0% YoY
— QoQ
 -$1.5M $2.6M $16.3M $40.4M 29%

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)

Capital Thin

risk
#3 of 661 • Bottom 0.3% 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: 9.54%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Capital Constraint

risk
#16 of 107 • Bottom 14.0% 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: 89.77%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 9.54%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#182 of 535 • Bottom 33.8% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

490
Total Loans
size
Value: $424.43M
Peer Median: $258.35M
#490 of 2643 Top 18.5% in $100M-$1B
566
Total Assets
size
Value: $575.61M
Peer Median: $386.57M
#566 of 2643 Top 21.4% in $100M-$1B
606
Total Deposits
size
Value: $472.81M
Peer Median: $326.73M
#606 of 2643 Top 22.9% in $100M-$1B

Top Weaknesses (5 metrics)

2500
Tier 1 Capital Ratio
capital
Value: 9.54%
Peer Median: 15.91%
#2500 of 2643 Bottom 5.4% in $100M-$1B
2496
Non-Interest-Bearing Deposit Share
funding
Value: 6.80%
Peer Median: 22.03%
#2496 of 2643 Bottom 5.6% in $100M-$1B
2484
Efficiency Ratio
profitability
Value: 89.40%
Peer Median: 64.48%
#2484 of 2643 Bottom 6.1% in $100M-$1B
2407
Return on Assets
profitability
Value: 0.37%
Peer Median: 1.32%
#2407 of 2643 Bottom 9.0% in $100M-$1B
2231
Net Interest Margin
profitability
Value: 3.19%
Peer Median: 3.99%
#2231 of 2643 Bottom 15.6% in $100M-$1B
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