BlastPoint's Banking Scorecard
First Federal Savings and Loan Association
Designations: ✓ Mutual
Newark, OH
6 branches across OH
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 96 in OH.
- Deposits -0.4% year over year ($250.7M on the books).
- Delinquency rate 1.29%.
- Return on assets 0.50%.
- Efficiency ratio 80.70% vs a 64.48% peer average.
- Loan-to-deposit ratio 83.73% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Federal Savings and Loan Association faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 11.3% in tier
- - Non-Interest-Bearing Deposit Share 13.80% below tier average
- - ROA 0.82% below tier average
- - Net Interest Margin 0.78% below tier average
- - Efficiency Ratio 16.22% above tier average
- - Delinquency Rate 0.37% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$293.5M
+0.3% YoY
-0.4% QoQ
|
-$93.1M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$209.9M
-1.9% YoY
-0.8% QoQ
|
-$48.4M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
50% |
| Total Deposits ? |
$250.7M
-0.4% YoY
-1.2% QoQ
|
-$76.0M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
45% |
| Return on Assets ? |
0.50%
+122.6% YoY
+6.9% QoQ
|
-0.82% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 12.3% in tier |
| Net Interest Margin ? |
3.21%
+16.7% YoY
+2.9% QoQ
|
-0.78% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
16% |
| Efficiency Ratio ? |
80.70%
-8.9% YoY
-0.5% QoQ
|
+16.22% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 13.0% in tier |
| Delinquency Rate ? |
1.29%
+65.3% YoY
+13.6% QoQ
|
+0.37% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
83.73%
-1.6% YoY
+0.3% QoQ
|
+5.77% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
8.23%
+10.6% YoY
+18.0% QoQ
|
-13.80% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 7.5% in tier |
| Nonperforming Asset Ratio ? |
0.92%
+61.7% YoY
+13.2% QoQ
|
+0.25% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
14.18%
+2.9% YoY
+1.9% QoQ
|
-1.73% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.20%
+16.6% YoY
+97.1% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
48% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
8.2%
+0.8pp YoY +1.3pp QoQ |
-13.9pp | 22.1% | 18.8% | 22.2% | 7% |
| Brokered Deposits |
0.0%
0.0pp YoY 0.0pp QoQ |
-7.9pp | 7.9% | 7.7% | 8.5% | 2% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 11.6% | 10.2% | 12.5% | n/a |
| CRE |
19.2%
-2.7pp YoY -1.2pp QoQ |
-20.4pp | 39.5% | 34.2% | 41.4% | 16% |
| 1-4 Family |
80.9%
+2.4pp YoY +1.1pp QoQ |
+48.3pp | 32.6% | 50.0% | 31.3% | 97% |
| Consumer |
0.6%
+0.3pp YoY +0.2pp QoQ |
-3.5pp | 4.1% | 4.7% | 5.0% | 18% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
14.2%
+0.4pp YoY +0.3pp QoQ |
+2.0pp | 12.2% | 12.9% | 12.6% | 82% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
54
+1 (+1.9%) YoY +1 (+1.9%) QoQ |
-5 | 58 | 2,433 | 482 | 57% |
| Assets per Employee ($) |
$5.4M
-1.5% YoY -2.3% QoQ |
-$2.1M | $7.5M | $7.6M | $8.8M | 21% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 81 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
1.3%
+0.5pp YoY +0.2pp QoQ |
+0.4pp | 0.9% | 0.6% | 1.0% | 78% |
| Allowance Coverage |
0.53x
-38.1% YoY -11.5% QoQ |
-23.62x | 24.15x | 18.95x | 20.23x | 11% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.1% | 0.2% | 43% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.8%
+2.0pp YoY +0.2pp QoQ |
-8.4pp | 12.2% | 9.7% | 11.6% | 10% |
| Cost of Funds (YTD) |
2.4%
-0.4pp YoY 0.0pp QoQ |
+0.7pp | 1.7% | 1.7% | 1.7% | 87% |
| Net Income ($, YTD) |
$743,000
+124.5% YoY — QoQ |
-$1.8M | $2.6M | $259.3M | $40.4M | 18% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.