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First Federal Savings and Loan Association

$100M-$1B Specialty: Mortgage OH FDIC cert 29345

Delta, 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 +2.1% year over year ($205.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.07%.
  • Efficiency ratio 66.17% vs a 64.48% peer average.
  • Loan-to-deposit ratio 55.84% 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 96 in OH
View $100M-$1B leaderboard (OH) →

First Federal Savings and Loan Association has 2 strengths but faces 4 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 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 24.4% in tier
  • - ROA 0.26% below tier average
  • - Net Interest Margin 0.24% below tier average
  • - Efficiency Ratio 1.69% above tier average
Get updates when First Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $246.0M
+3.2% YoY -0.5% QoQ
-$140.5M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
36%
Total Loans ? $115.0M
+15.1% YoY +3.0% QoQ
-$143.4M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
24%
Total Deposits ? $205.9M
+2.1% YoY -1.0% QoQ
-$120.9M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
35%
Return on Assets ? 1.07%
+15.0% YoY -1.5% QoQ
-0.26% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
38%
Net Interest Margin ? 3.75%
+5.9% YoY +1.6% QoQ
-0.24% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
39%
Efficiency Ratio ? 66.17%
-5.5% YoY +1.1% QoQ
+1.69% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
39%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 55.84%
+12.7% YoY +4.1% QoQ
-22.11% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
Top 13.2% in tier
Non-Interest-Bearing Deposit Share ? 10.61%
-7.5% YoY +4.0% QoQ
-11.42% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 11.7% in tier
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 39.65%
-3.8% YoY -6.8% QoQ
+23.74% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Top 1.9% in tier
Non-Interest Income / Assets ? 0.20%
+9.0% YoY +86.7% QoQ
-0.36% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
50%

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 10.6%
-0.9pp YoY
+0.4pp QoQ
 -11.5pp 22.1% 18.8% 22.2% 11%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 3.2%
-0.1pp YoY
+0.2pp QoQ
 -8.4pp 11.6% 10.2% 12.5% 11%
CRE 10.8%
+4.1pp YoY
+1.0pp QoQ
 -28.7pp 39.5% 34.2% 41.4% 6%
1-4 Family 85.0%
-4.0pp YoY
-1.3pp QoQ
 +52.4pp 32.6% 50.0% 31.3% 98%
Consumer 1.4%
-0.1pp YoY
+0.2pp QoQ
 -2.7pp 4.1% 4.7% 5.0% 38%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 39.6%
-1.6pp YoY
-2.9pp QoQ
 +20.8pp 18.8% 22.1% 19.7% 97%
Leverage Ratio 16.5%
-0.1pp YoY
-0.1pp QoQ
 +4.3pp 12.2% 12.9% 12.6% 92%
Total Capital Ratio 40.3%
-0.9pp YoY
-3.0pp QoQ
 +20.4pp 19.9% 23.2% 20.8% 97%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 40
+1 (+2.6%) YoY
+1 (+2.6%) QoQ
 -19 58 2,433 482 41%
Assets per Employee ($) $6.2M
+0.6% YoY
-3.0% QoQ
 -$1.4M $7.5M $7.6M $8.8M 36%
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 n/a n/a 0.9% 0.6% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.95x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 6.8%
+0.6pp YoY
-0.2pp QoQ
 -5.4pp 12.2% 9.7% 11.6% 20%
Cost of Funds (YTD) 0.7%
-0.1pp YoY
0.0pp QoQ
 -1.0pp 1.7% 1.7% 1.7% 3%
Net Income ($, YTD) $1.3M
+20.6% YoY
— QoQ
 -$1.2M $2.6M $259.3M $40.4M 36%

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 (1)

Liquidity Overhang

risk
#182 of 742 • Bottom 24.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 39.65%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 55.84%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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 (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
51
Tier 1 Capital Ratio
capital
Value: 39.65%
Peer Median: 15.91%
#51 of 2643 Top 1.9% in $100M-$1B
349
Loan-to-Deposit Ratio
liquidity
Value: 55.84%
Peer Median: 77.95%
#349 of 2643 Top 13.2% in $100M-$1B

Top Weaknesses (2 metrics)

2334
Non-Interest-Bearing Deposit Share
funding
Value: 10.61%
Peer Median: 22.03%
#2334 of 2643 Bottom 11.7% in $100M-$1B
2014
Total Loans
size
Value: $114.95M
Peer Median: $258.35M
#2014 of 2643 Bottom 23.8% in $100M-$1B
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