BlastPoint's Banking Scorecard

First Federal Savings and Loan Association of Greensburg

$100M-$1B Specialty: Mortgage IN FDIC cert 30058

Designations: ✓ Mutual

Greensburg, IN

3 branches across IN

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

First Federal Savings and Loan Association of Greensburg faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 1.6% in tier
- Liquidity Overhang: Bottom 34.6% in tier
- Efficiency Drag: Bottom 48.1% in tier
- Net Interest Margin 1.08% below tier average
- ROA 0.82% below tier average
- Delinquency Rate 0.26% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$146.1M -1.7% YoY -3.5% QoQ	-$240.0M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	Bottom 13.1% in tier
Total Loans ?	$85.5M -1.1% YoY +1.4% QoQ	-$170.2M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	Bottom 13.8% in tier
Total Deposits ?	$128.4M -2.9% YoY -3.9% QoQ	-$199.6M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	Bottom 14.8% in tier
Return on Assets ?	0.45% +164.6% YoY +13.1% QoQ	-0.82%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	Bottom 12.1% in tier
Net Interest Margin ?	2.85% +20.2% YoY +6.5% QoQ	-1.08%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	Bottom 7.6% in tier
Efficiency Ratio ?	81.42% -12.6% YoY -2.0% QoQ	+16.14%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	Bottom 13.6% in tier
Delinquency Rate ?	1.15% +25.1% YoY +5.9% QoQ	+0.26%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	25%
Loan-to-Deposit Ratio ?	66.63% +1.9% YoY +5.5% QoQ	-10.01%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	73%
Non-Interest-Bearing Deposit Share ?	10.65% +5.8% YoY -12.8% QoQ	-11.37%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	Bottom 12.0% in tier
Nonperforming Asset Ratio ?	0.67% +25.9% YoY +11.4% QoQ	+0.03%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	30%
Tier 1 Capital Ratio ?	24.30% +3.8% YoY +2.2% QoQ	+8.47%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	Top 7.3% in tier
Non-Interest Income / Assets ?	0.07% -26.2% YoY -77.9% QoQ	-0.21%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	32%

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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 (3)

Flatlined Growth

risk

#9 of 512 • Bottom 1.6% 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: 0.45%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Liquidity Overhang

risk

#257 of 739 • Bottom 34.6% 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: 24.30%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 66.63%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#200 of 414 • Bottom 48.1% in tier

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

Why this signature

Efficiency Ratio: 81.42%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | 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 (1 metrics)

195

Tier 1 Capital Ratio

capital

Value: 24.30%

Peer Median: 15.83%

#195 of 2664 Top 7.3% in $100M-$1B

Top Weaknesses (7 metrics)

2463

Net Interest Margin

profitability

Value: 2.85%

Peer Median: 3.93%

#2463 of 2664 Bottom 7.6% in $100M-$1B

2345

Non-Interest-Bearing Deposit Share

funding

Value: 10.65%

Peer Median: 22.02%

#2345 of 2664 Bottom 12.0% in $100M-$1B

2343

Return on Assets

profitability

Value: 0.45%

Peer Median: 1.27%

#2343 of 2664 Bottom 12.1% in $100M-$1B

2315

Total Assets

size

Value: $146.05M

Peer Median: $386.08M

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

2303

Efficiency Ratio

profitability

Value: 81.42%

Peer Median: 65.29%

#2303 of 2664 Bottom 13.6% in $100M-$1B

2297

Total Loans

size

Value: $85.54M

Peer Median: $255.72M

#2297 of 2664 Bottom 13.8% in $100M-$1B

2272

Total Deposits

size

Value: $128.38M

Peer Median: $327.97M

#2272 of 2664 Bottom 14.8% in $100M-$1B