BlastPoint's Banking Scorecard

First Federal Savings Bank

$100M-$1B Specialty: Commercial IN FDIC cert 29690

Huntington, IN

9 branches across IN

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 60 in IN.
Deposits +0.6% year over year ($459.9M on the books).
Delinquency rate 1.91%.
Return on assets 1.27%.
Efficiency ratio 57.43% vs a 64.48% peer average.
Loan-to-deposit ratio 89.80% 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 60 in IN

View $100M-$1B leaderboard (IN) →

First Federal Savings Bank has 1 strength 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 7.05% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 15.4% in tier
- Flatlined Growth: Bottom 45.9% in tier
- Net Interest Margin 0.22% below tier average
- Delinquency Rate 0.99% above tier average

Get updates when First Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$553.6M -0.5% YoY -0.7% QoQ	+$167.0M	$386.6M +1.2% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	77%
Total Loans ?	$413.0M -2.6% YoY -2.2% QoQ	+$154.6M	$258.3M +1.7% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	81%
Total Deposits ?	$459.9M +0.6% YoY -0.1% QoQ	+$133.1M	$326.7M +0.7% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	76%
Return on Assets ?	1.27% +24.9% YoY +9.1% QoQ	-0.05%	1.32% +10.8% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	52%
Net Interest Margin ?	3.77% +8.6% YoY +2.5% QoQ	-0.22%	3.99% +5.0% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	40%
Efficiency Ratio ?	57.43% -1.4% YoY -3.4% QoQ	-7.05%	64.48% -3.2% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	65%
Delinquency Rate ?	1.91% +30.1% YoY -0.8% QoQ	+0.99%	0.92% +15.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	Bottom 13.6% in tier
Loan-to-Deposit Ratio ?	89.80% -3.2% YoY -2.1% QoQ	+11.85%	77.95% +1.0% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	27%
Non-Interest-Bearing Deposit Share ?	13.50% +11.6% YoY +4.0% QoQ	-8.53%	22.03% -0.6% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	19%
Nonperforming Asset Ratio ?	1.43% +27.4% YoY -2.3% QoQ	+0.76%	0.67% +16.4% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	Bottom 12.9% in tier
Tier 1 Capital Ratio ?	10.46% +4.9% YoY +1.9% QoQ	-5.45%	15.91% +1.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.24% +3.3% YoY +115.8% QoQ	-0.32%	0.57% +7.6% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	62%

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 (IN)	National Avg	Tier Percentile
Noninterest-Bearing	13.5% +1.4pp YoY +0.5pp QoQ	-8.6pp	22.1%	16.8%	22.2%	19%
Brokered Deposits	10.8% -1.9pp YoY -1.3pp QoQ	+2.9pp	7.9%	7.2%	8.5%	77%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	21.0% +0.2pp YoY +0.7pp QoQ	+9.5pp	11.6%	11.1%	12.5%	90%
CRE	51.9% -0.1pp YoY -1.5pp QoQ	+12.4pp	39.5%	36.2%	41.4%	73%
1-4 Family	26.1% +0.2pp YoY +0.9pp QoQ	-6.6pp	32.6%	40.0%	31.3%	43%
Consumer	1.3% -0.1pp YoY -0.1pp QoQ	-2.8pp	4.1%	3.2%	5.0%	36%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.5%	19.7%	n/a
Leverage Ratio	10.5% +0.5pp YoY +0.2pp QoQ	-1.7pp	12.2%	13.0%	12.6%	40%
Total Capital Ratio	n/a	n/a	19.9%	18.7%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	96 +8 (+9.1%) YoY +2 (+2.1%) QoQ	+37	58	237	482	85%
Assets per Employee ($)	$5.8M -8.8% YoY -2.8% QoQ	-$1.8M	$7.5M	$7.5M	$8.8M	28%
Branch Count	9 +1 (+12.5%) YoY 0 QoQ	+4	4	17	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	1.9% +0.4pp YoY 0.0pp QoQ	+1.0pp	0.9%	0.8%	1.0%	86%
Allowance Coverage	0.87x -17.4% YoY +5.1% QoQ	-23.28x	24.15x	6.71x	20.23x	23%
Net Charge-off Rate (YTD)	0.0% -0.4pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	57%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	13.2% +1.5pp YoY +1.0pp QoQ	+1.0pp	12.2%	11.2%	11.6%	57%
Cost of Funds (YTD)	2.2% -0.3pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.8%	1.7%	82%
Net Income ($, YTD)	$3.5M +28.7% YoY — QoQ	+$992K	$2.6M	$16.3M	$40.4M	76%

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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 (2)

Capital Thin

risk

#103 of 661 • Bottom 15.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.46%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Flatlined Growth

risk

#244 of 529 • Bottom 45.9% 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: 1.27%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

516

Total Loans

size

Value: $412.98M

Peer Median: $258.35M

#516 of 2643 Top 19.5% in $100M-$1B

618

Total Assets

size

Value: $553.58M

Peer Median: $386.57M

#618 of 2643 Top 23.3% in $100M-$1B

634

Total Deposits

size

Value: $459.87M

Peer Median: $326.73M

#634 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (4 metrics)

2304

Nonperforming Asset Ratio

credit_quality

Value: 1.43%

Peer Median: 0.67%

#2304 of 2643 Bottom 12.9% in $100M-$1B

2276

Delinquency Rate

credit_quality

Value: 1.91%

Peer Median: 0.92%

#2276 of 2633 Bottom 13.6% in $100M-$1B

2218

Tier 1 Capital Ratio

capital

Value: 10.46%

Peer Median: 15.91%

#2218 of 2643 Bottom 16.1% in $100M-$1B

2136

Non-Interest-Bearing Deposit Share

funding

Value: 13.50%

Peer Median: 22.03%

#2136 of 2643 Bottom 19.2% in $100M-$1B