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First Federal Savings and Loan Association of Greensburg

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

Designations: ✓ Mutual

Greensburg, IN

3 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 +4.5% year over year ($141.4M on the books).
  • Delinquency rate 1.19%.
  • Return on assets 0.48%.
  • Efficiency ratio 80.09% vs a 64.48% peer average.
  • Loan-to-deposit ratio 61.40% 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 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

  • - Efficiency Drag: Bottom 43.2% in tier
  • - Liquidity Overhang: Bottom 46.8% in tier
  • - Net Interest Margin 1.11% below tier average
  • - Non-Interest-Bearing Deposit Share 12.83% below tier average
  • - ROA 0.84% below tier average
  • - Delinquency Rate 0.28% above tier average
Get updates when First Federal Savings and Loan Association of Greensburg releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $159.5M
+5.0% YoY +9.2% QoQ
-$227.1M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
17%
Total Loans ? $86.8M
+0.0% YoY +1.5% QoQ
-$171.5M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
Bottom 13.3% in tier
Total Deposits ? $141.4M
+4.5% YoY +10.1% QoQ
-$185.4M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
19%
Return on Assets ? 0.48%
+99.5% YoY +7.0% QoQ
-0.84% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
Bottom 11.7% in tier
Net Interest Margin ? 2.88%
+12.9% YoY +0.9% QoQ
-1.11% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
Bottom 7.2% in tier
Efficiency Ratio ? 80.09%
-10.8% YoY -1.6% QoQ
+15.61% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
Bottom 13.6% in tier
Delinquency Rate ? 1.19%
-10.6% YoY +4.2% QoQ
+0.28% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
24%
Loan-to-Deposit Ratio ? 61.40%
-4.3% YoY -7.8% QoQ
-16.55% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
81%
Non-Interest-Bearing Deposit Share ? 9.20%
-7.2% YoY -13.6% QoQ
-12.83% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
Bottom 9.2% in tier
Nonperforming Asset Ratio ? 0.65%
-14.8% YoY -3.2% QoQ
-0.02% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
33%
Tier 1 Capital Ratio ? 23.71%
+3.8% YoY -2.5% QoQ
+7.80% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
Top 8.1% in tier
Non-Interest Income / Assets ? 0.13%
+1.4% YoY +89.4% QoQ
-0.43% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
29%

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 9.2%
-0.7pp YoY
-1.5pp QoQ
 -12.9pp 22.1% 16.8% 22.2% 9%
Brokered Deposits n/a n/a 7.9% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 1.7%
+0.6pp YoY
+0.3pp QoQ
 -9.9pp 11.6% 11.1% 12.5% 5%
CRE n/a n/a 39.5% 36.2% 41.4% n/a
1-4 Family 80.2%
+0.3pp YoY
-0.1pp QoQ
 +47.6pp 32.6% 40.0% 31.3% 97%
Consumer 2.7%
-0.7pp YoY
+0.1pp QoQ
 -1.4pp 4.1% 3.2% 5.0% 56%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 23.7%
+0.9pp YoY
-0.6pp QoQ
 +4.9pp 18.8% 17.5% 19.7% 86%
Leverage Ratio 12.3%
+0.1pp YoY
-1.0pp QoQ
 +0.2pp 12.2% 13.0% 12.6% 68%
Total Capital Ratio 25.0%
+0.9pp YoY
-0.6pp QoQ
 +5.0pp 19.9% 18.7% 20.8% 87%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 30
-6 (-16.7%) YoY
-6 (-16.7%) QoQ
 -29 58 237 482 26%
Assets per Employee ($) $5.3M
+26.0% YoY
+31.0% QoQ
 -$2.2M $7.5M $7.5M $8.8M 19%
Branch Count 3
0 YoY
0 QoQ
 -2 4 17 18 26%

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 1.2%
-0.1pp YoY
0.0pp QoQ
 +0.3pp 0.9% 0.8% 1.0% 75%
Allowance Coverage 1.20x
+10.7% YoY
-5.4% QoQ
 -22.95x 24.15x 6.71x 20.23x 32%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 4.2%
+1.9pp YoY
+0.3pp QoQ
 -8.0pp 12.2% 11.2% 11.6% 11%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
+0.1pp QoQ
 -0.4pp 1.7% 1.8% 1.7% 27%
Net Income ($, YTD) $366,000
+98.9% YoY
— QoQ
 -$2.2M $2.6M $16.3M $40.4M 8%

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)

Efficiency Drag

risk
#157 of 361 • Bottom 43.2% in tier

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

Why this signature
Efficiency Ratio: 80.09%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#348 of 742 • Bottom 46.8% 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: 23.71%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 61.40%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

216
Tier 1 Capital Ratio
capital
Value: 23.71%
Peer Median: 15.91%
#216 of 2643 Top 8.1% in $100M-$1B
503
Loan-to-Deposit Ratio
liquidity
Value: 61.40%
Peer Median: 77.95%
#503 of 2643 Top 19.0% in $100M-$1B

Top Weaknesses (8 metrics)

2455
Net Interest Margin
profitability
Value: 2.88%
Peer Median: 3.99%
#2455 of 2643 Bottom 7.2% in $100M-$1B
2402
Non-Interest-Bearing Deposit Share
funding
Value: 9.20%
Peer Median: 22.03%
#2402 of 2643 Bottom 9.2% in $100M-$1B
2334
Return on Assets
profitability
Value: 0.48%
Peer Median: 1.32%
#2334 of 2643 Bottom 11.7% in $100M-$1B
2293
Total Loans
size
Value: $86.80M
Peer Median: $258.35M
#2293 of 2643 Bottom 13.3% in $100M-$1B
2284
Efficiency Ratio
profitability
Value: 80.09%
Peer Median: 64.48%
#2284 of 2643 Bottom 13.6% in $100M-$1B
2197
Total Assets
size
Value: $159.48M
Peer Median: $386.57M
#2197 of 2643 Bottom 16.9% in $100M-$1B
2150
Total Deposits
size
Value: $141.36M
Peer Median: $326.73M
#2150 of 2643 Bottom 18.7% in $100M-$1B
1994
Delinquency Rate
credit_quality
Value: 1.19%
Peer Median: 0.92%
#1994 of 2633 Bottom 24.3% in $100M-$1B
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