BlastPoint's Banking Scorecard

First Federal Savings & Loan Association of Ravenswood

under $100M Specialty: Mortgage WV FDIC cert 29490

Designations: ✓ Community bank ✓ Mutual

Ravenswood, WV

537 banks in the under $100M peer group nationally 4 in WV

First Federal Savings & Loan Association of Ravenswood 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

+ Efficiency Ratio 2.59% below tier average
+ Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.68% below tier average
- Non-Interest-Bearing Deposit Share 23.79% below tier average
- Non-Interest Income / Assets 0.66% below tier average
- ROA 0.62% below tier average

Get updates when First Federal Savings & Loan Association of Ravenswood releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$27.1M +7.2% YoY +0.5% QoQ	-$35.1M	$62.3M -0.5% YoY	$1.2B +2.9% YoY	$6.2B +9.0% YoY	Bottom 9.5% in tier
Total Loans ?	$19.7M +0.3% YoY -2.5% QoQ	-$14.6M	$34.3M -1.5% YoY	$864.0M +4.3% YoY	$3.2B +10.7% YoY	27%
Total Deposits ?	$24.2M +7.8% YoY -0.1% QoQ	-$27.7M	$51.8M -0.6% YoY	$1.0B +3.7% YoY	$4.8B +8.0% YoY	Bottom 14.2% in tier
Return on Assets ?	0.24% +5.4% QoQ	-0.62%	0.86% -3.6% YoY	0.95% +29.1% YoY	1.24% +13.1% YoY	20%
Net Interest Margin ?	2.19% +3.9% YoY -3.4% QoQ	-1.68%	3.87% +2.7% YoY	3.79% +9.5% YoY	3.89% +5.7% YoY	Bottom 4.1% in tier
Efficiency Ratio ?	85.03% -11.6% YoY -1.8% QoQ	-2.59%	87.63% +2.3% YoY	70.57% -7.5% YoY	66.84% -3.8% YoY	26%
Delinquency Rate ?	1.10% -24.1% YoY +110.0% QoQ	-0.26%	1.36% +33.7% YoY	0.74% +24.2% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	81.37% -6.9% YoY -2.4% QoQ	+17.26%	64.11% -0.9% YoY	78.35% +1.2% YoY	76.69% +0.9% YoY	25%
Non-Interest-Bearing Deposit Share ?	0.00%	-23.79%	23.79% +0.5% YoY	26.63% -0.0% YoY	22.01% -1.1% YoY	Bottom 4.7% in tier
Nonperforming Asset Ratio ?	0.80% -29.0% YoY +103.7% QoQ	+0.03%	0.77% +28.7% YoY	0.57% +21.1% YoY	0.66% +19.3% YoY	27%
Tier 1 Capital Ratio ?	22.89% -0.6% YoY +1.7% QoQ	-3.89%	26.77% +2.0% YoY	14.22% +0.9% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.01% +86.5% YoY -43.2% QoQ	-0.66%	0.67% +1.6% YoY	0.14% -2.1% YoY	0.32% +4.0% YoY	Bottom 9.5% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (1 metrics)

131

Tier 1 Capital Ratio

capital

Value: 22.89%

Peer Median: 26.77%

#131 of 537 Top 24.2% in under $100M

Top Weaknesses (7 metrics)

516

Net Interest Margin

profitability

Value: 2.19%

Peer Median: 3.87%

#516 of 537 Bottom 4.1% in under $100M

513

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 23.79%

#513 of 537 Bottom 4.7% in under $100M

487

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.67%

#487 of 537 Bottom 9.5% in under $100M

487

Total Assets

size

Value: $27.13M

Peer Median: $62.28M

#487 of 537 Bottom 9.5% in under $100M

462

Total Deposits

size

Value: $24.18M

Peer Median: $51.83M

#462 of 537 Bottom 14.2% in under $100M

431

Return on Assets

profitability

Value: 0.24%

Peer Median: 0.86%

#431 of 537 Bottom 19.9% in under $100M

406

Loan-to-Deposit Ratio

liquidity

Value: 81.37%

Peer Median: 64.11%

#406 of 537 Bottom 24.6% in under $100M