BlastPoint's Banking Scorecard
First Federal Savings and Loan Association
Delta, OH
6 branches across 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 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 25.2% in tier
- - ROA 0.19% below tier average
- - Net Interest Margin 0.24% below tier average
- - Efficiency Ratio 0.15% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$247.3M
+6.5% YoY
+2.1% QoQ
|
-$138.8M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
36% |
| Total Loans ? |
$111.6M
+13.2% YoY
+3.9% QoQ
|
-$144.1M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$207.9M
+5.8% YoY
+2.4% QoQ
|
-$120.0M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
1.08%
+33.8% YoY
+12.5% QoQ
|
-0.19% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
3.69%
+4.8% YoY
+1.1% QoQ
|
-0.24% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
65.43%
-8.2% YoY
-4.9% QoQ
|
+0.15% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.89% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
53.66%
+7.0% YoY
+1.5% QoQ
|
-22.97% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
Top 12.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.20%
+4.0% YoY
-7.2% QoQ
|
-11.82% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 11.3% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
42.57%
+1.5% YoY
+4.3% QoQ
|
+26.74% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Top 1.2% in tier |
| Non-Interest Income / Assets ? |
0.11%
+13.5% YoY
-70.2% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
57% |
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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)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.