BlastPoint's Banking Scorecard
First Federal Savings & Loan Association of Ravenswood
Designations: ✓ Community bank ✓ Mutual
Ravenswood, WV
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 536 banks in the under $100M peer group nationwide — 1 of 4 in WV.
- Deposits +2.3% year over year ($23.5M on the books).
- Delinquency rate 1.11%.
- Return on assets 0.30%.
- Efficiency ratio 82.68% vs a 119.40% peer average.
- Loan-to-deposit ratio 83.39% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Federal Savings & Loan Association of Ravenswood has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 36.72% below tier average
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.63% below tier average
- - Non-Interest-Bearing Deposit Share 23.49% below tier average
- - ROA 0.70% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$26.3M
+2.4% YoY
-3.1% QoQ
|
-$36.2M |
$62.4M
-0.0% YoY
|
$1.3B
+5.7% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.8% in tier |
| Total Loans ? |
$19.6M
-0.9% YoY
-0.6% QoQ
|
-$15.3M |
$34.9M
-0.6% YoY
|
$899.3M
+7.6% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$23.5M
+2.3% YoY
-3.0% QoQ
|
-$28.2M |
$51.6M
-0.2% YoY
|
$1.1B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
Bottom 13.4% in tier |
| Return on Assets ? |
0.30%
+98.9% YoY
+26.2% QoQ
|
-0.70% |
1.00%
+3.5% YoY
|
1.06%
+30.6% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
2.28%
+4.8% YoY
+4.5% QoQ
|
-1.63% |
3.91%
+2.3% YoY
|
3.90%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 5.0% in tier |
| Efficiency Ratio ? |
82.68%
-9.3% YoY
-2.8% QoQ
|
-36.72% |
119.40%
+49.6% YoY
|
68.34%
-7.3% YoY
|
70.05%
+2.5% YoY
|
26% |
| Delinquency Rate ? |
1.11%
+30.9% YoY
+1.0% QoQ
|
-0.37% |
1.48%
+31.8% YoY
|
0.74%
+17.9% YoY
|
0.98%
+16.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
83.39%
-3.1% YoY
+2.5% QoQ
|
+9.18% |
74.21%
+12.6% YoY
|
79.72%
+2.0% YoY
|
79.03%
+2.3% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -23.49% |
23.49%
+0.6% YoY
|
26.43%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.7% in tier |
| Nonperforming Asset Ratio ? |
0.83%
+26.7% YoY
+3.7% QoQ
|
-0.01% |
0.84%
+23.0% YoY
|
0.55%
+10.4% YoY
|
0.69%
+15.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
23.15%
+0.4% YoY
+1.2% QoQ
|
-3.97% |
27.13%
+3.0% YoY
|
14.02%
-0.7% YoY
|
17.09%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.03%
+193.0% YoY
+132.3% QoQ
|
-1.35% |
1.38%
+6.3% YoY
|
0.30%
+5.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 11.8% in tier |
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 (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing | n/a | n/a | 24.6% | 27.1% | 22.2% | n/a |
| Brokered Deposits | n/a | n/a | 9.8% | 3.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 7.1% | 12.5% | n/a |
| CRE |
12.0%
+1.1pp YoY +0.5pp QoQ |
-13.2pp | 25.2% | 33.8% | 41.4% | 17% |
| 1-4 Family |
88.0%
-1.3pp YoY -0.5pp QoQ |
+53.0pp | 35.0% | 52.8% | 31.3% | 95% |
| Consumer |
0.6%
+0.2pp YoY 0.0pp QoQ |
-7.1pp | 7.7% | 7.9% | 5.0% | 7% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
23.1%
+0.1pp YoY +0.3pp QoQ |
-15.5pp | 38.7% | 17.1% | 19.7% | 57% |
| Leverage Ratio |
10.4%
-0.1pp YoY +0.3pp QoQ |
-7.3pp | 17.7% | 11.6% | 12.6% | 23% |
| Total Capital Ratio |
24.1%
+0.1pp YoY +0.3pp QoQ |
-15.6pp | 39.7% | 18.1% | 20.8% | 57% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
3
0 YoY -1 (-25.0%) QoQ |
-9 | 12 | 161 | 482 | 1% |
| Assets per Employee ($) |
$8.8M
+2.4% YoY +29.1% QoQ |
+$2.6M | $6.2M | $6.1M | $8.8M | 86% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 13 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
-0.3pp QoQ |
-0.7pp | 1.0% | 0.1% | 0.4% | 41% |
| Nonaccrual |
0.8%
0.0pp YoY +0.3pp QoQ |
-0.9pp | 1.7% | 0.7% | 1.0% | 53% |
| Allowance Coverage |
0.52x
-22.9% YoY -0.5% QoQ |
-5.89x | 6.41x | 6.60x | 20.23x | 22% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.9%
+1.5pp YoY +0.6pp QoQ |
-3.5pp | 6.4% | 10.6% | 11.6% | 24% |
| Cost of Funds (YTD) |
2.9%
-0.2pp YoY -0.1pp QoQ |
+1.5pp | 1.4% | 1.5% | 1.7% | 98% |
| Net Income ($, YTD) |
$40,000
+110.5% YoY — QoQ |
-$278K | $317,817 | $9.0M | $40.4M | 16% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.