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First Federal Savings and Loan Association of McMinnville

$100M-$1B Specialty: Other OR FDIC cert 29624

Mcminnville, OR

6 branches across OR

2664 banks in the $100M-$1B peer group nationally 11 in OR
View $100M-$1B leaderboard (OR) →

First Federal Savings and Loan Association of McMinnville has 2 strengths but faces 5 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 0.89% below tier average
  • + Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 20.7% in tier
  • - Efficiency Drag: Bottom 41.1% in tier
  • - Liquidity Overhang: Bottom 44.9% in tier
  • - ROA 0.83% below tier average
  • - Net Interest Margin 0.97% below tier average
Get updates when First Federal Savings and Loan Association of McMinnville releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Total Assets ? $679.0M
+1.6% YoY +1.4% QoQ
+$292.9M $386.1M
+0.5% YoY
$5.7B
+33.4% YoY
$6.2B
+9.1% YoY
Top 13.6% in tier
Total Loans ? $406.4M
+1.1% YoY +0.9% QoQ
+$150.7M $255.7M
+1.1% YoY
$4.1B
+32.8% YoY
$3.2B
+10.8% YoY
80%
Total Deposits ? $579.8M
+0.8% YoY +1.6% QoQ
+$251.9M $328.0M
+0.1% YoY
$4.7B
+32.1% YoY
$4.8B
+8.2% YoY
Top 14.0% in tier
Return on Assets ? 0.44%
+81.8% YoY +25.8% QoQ
-0.83% 1.27%
+12.9% YoY
1.04%
+38.9% YoY
1.23%
+13.4% YoY
Bottom 11.7% in tier
Net Interest Margin ? 2.96%
+12.8% YoY +4.1% QoQ
-0.97% 3.93%
+6.0% YoY
4.00%
+9.5% YoY
3.89%
+5.7% YoY
Bottom 10.2% in tier
Efficiency Ratio ? 81.80%
-7.5% YoY -3.2% QoQ
+16.52% 65.29%
-4.5% YoY
68.69%
-8.8% YoY
66.95%
-4.1% YoY
Bottom 13.2% in tier
Delinquency Rate ? 0.00%
-100.0% YoY
-0.89% 0.89%
+18.8% YoY
0.86%
+80.8% YoY
0.95%
+18.8% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 70.10%
+0.3% YoY -0.7% QoQ
-6.54% 76.64%
+0.8% YoY
77.62%
+0.2% YoY
76.70%
+0.9% YoY
67%
Non-Interest-Bearing Deposit Share ? 13.69%
-5.1% YoY +3.1% QoQ
-8.33% 22.02%
-1.0% YoY
23.66%
-0.4% YoY
22.01%
-1.2% YoY
20%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.64% 0.64%
+19.7% YoY
0.62%
+95.5% YoY
0.67%
+19.3% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 21.12%
+1.3% YoY -2.5% QoQ
+5.29% 15.83%
+1.5% YoY
15.70%
+2.5% YoY
17.06%
+0.8% YoY
Top 11.3% in tier
Non-Interest Income / Assets ? 0.09%
+4.3% YoY -74.1% QoQ
-0.19% 0.28%
+9.3% YoY
0.15%
-3.7% YoY
0.32%
+4.1% YoY
44%

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 (3)

Flatlined Growth

risk
#107 of 512 • Bottom 20.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.44%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ

Efficiency Drag

risk
#171 of 414 • Bottom 41.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 81.80%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable

Liquidity Overhang

risk
#333 of 739 • Bottom 44.9% 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: 21.12%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 70.10%
(Tier: 76.64%, National: 76.70%)
better than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.89%
#1 of 2654 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.64%
#1 of 2664 Top 0.1% in $100M-$1B
302
Tier 1 Capital Ratio
capital
Value: 21.12%
Peer Median: 15.83%
#302 of 2664 Top 11.3% in $100M-$1B
364
Total Assets
size
Value: $678.96M
Peer Median: $386.08M
#364 of 2664 Top 13.6% in $100M-$1B
373
Total Deposits
size
Value: $579.83M
Peer Median: $327.97M
#373 of 2664 Top 14.0% in $100M-$1B
533
Total Loans
size
Value: $406.45M
Peer Median: $255.72M
#533 of 2664 Top 20.0% in $100M-$1B

Top Weaknesses (4 metrics)

2393
Net Interest Margin
profitability
Value: 2.96%
Peer Median: 3.93%
#2393 of 2664 Bottom 10.2% in $100M-$1B
2353
Return on Assets
profitability
Value: 0.44%
Peer Median: 1.27%
#2353 of 2664 Bottom 11.7% in $100M-$1B
2314
Efficiency Ratio
profitability
Value: 81.80%
Peer Median: 65.29%
#2314 of 2664 Bottom 13.2% in $100M-$1B
2145
Non-Interest-Bearing Deposit Share
funding
Value: 13.69%
Peer Median: 22.02%
#2145 of 2664 Bottom 19.5% in $100M-$1B
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