BlastPoint's Banking Scorecard

First Federal Savings Bank

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

Huntington, IN

9 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

First Federal Savings Bank has 1 strength 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

+ Efficiency Ratio 5.84% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 13.2% in tier
- Capital Thin: Bottom 29.3% in tier
- ROA 0.10% below tier average
- Net Interest Margin 0.25% below tier average
- Delinquency Rate 1.04% above tier average

Get updates when First Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$557.5M +2.8% YoY -0.3% QoQ	+$171.4M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	77%
Total Loans ?	$422.2M +2.0% YoY -0.7% QoQ	+$166.5M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	82%
Total Deposits ?	$460.4M +3.6% YoY +0.5% QoQ	+$132.4M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	1.17% +43.9% YoY +0.2% QoQ	-0.10%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	3.68% +8.0% YoY +2.2% QoQ	-0.25%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	39%
Efficiency Ratio ?	59.44% -2.0% YoY +2.6% QoQ	-5.84%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	62%
Delinquency Rate ?	1.93% +184.9% YoY +50.5% QoQ	+1.04%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	Bottom 13.3% in tier
Loan-to-Deposit Ratio ?	91.71% -1.5% YoY -1.3% QoQ	+15.07%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	12.99% +8.3% YoY +11.6% QoQ	-9.03%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	17%
Nonperforming Asset Ratio ?	1.46% +182.8% YoY +49.8% QoQ	+0.82%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	Bottom 11.9% in tier
Tier 1 Capital Ratio ?	10.27% +1.9% YoY +1.7% QoQ	-5.56%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	Bottom 13.1% in tier
Non-Interest Income / Assets ?	0.11% -3.9% YoY -77.0% QoQ	-0.17%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	59%

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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)

Liquidity Strain

risk

#86 of 643 • Bottom 13.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.71%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Thin

risk

#196 of 666 • Bottom 29.3% 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: 10.27%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

485

Total Loans

size

Value: $422.25M

Peer Median: $255.72M

#485 of 2664 Top 18.2% in $100M-$1B

611

Total Assets

size

Value: $557.48M

Peer Median: $386.08M

#611 of 2664 Top 22.9% in $100M-$1B

635

Total Deposits

size

Value: $460.42M

Peer Median: $327.97M

#635 of 2664 Top 23.8% in $100M-$1B

Top Weaknesses (5 metrics)

2349

Nonperforming Asset Ratio

credit_quality

Value: 1.46%

Peer Median: 0.64%

#2349 of 2664 Bottom 11.9% in $100M-$1B

2315

Tier 1 Capital Ratio

capital

Value: 10.27%

Peer Median: 15.83%

#2315 of 2664 Bottom 13.1% in $100M-$1B

2301

Delinquency Rate

credit_quality

Value: 1.93%

Peer Median: 0.89%

#2301 of 2654 Bottom 13.3% in $100M-$1B

2199

Non-Interest-Bearing Deposit Share

funding

Value: 12.99%

Peer Median: 22.02%

#2199 of 2664 Bottom 17.5% in $100M-$1B

2100

Loan-to-Deposit Ratio

liquidity

Value: 91.71%

Peer Median: 76.64%

#2100 of 2664 Bottom 21.2% in $100M-$1B