BlastPoint's Banking Scorecard
First Federal Savings and Loan Association
Designations: ✓ Mutual
Pascagoula, MS
6 branches across MS
First Federal Savings and Loan Association has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 5.1% in tier
- - Liquidity Overhang: Bottom 11.6% in tier
- - NIB Deposit Bleed: Bottom 27.3% in tier
- - Liquidity Strain: Bottom 38.4% in tier
- - Net Interest Margin 1.33% below tier average
- - ROA 0.84% below tier average
- - Efficiency Ratio 13.27% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$377.6M
-0.3% YoY
-0.4% QoQ
|
-$8.5M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
58% |
| Total Loans ? |
$307.5M
-1.7% YoY
-1.9% QoQ
|
+$51.8M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$270.9M
+12.0% YoY
+9.6% QoQ
|
-$57.0M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
0.43%
+160.7% YoY
+106.9% QoQ
|
-0.84% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.4% in tier |
| Net Interest Margin ? |
2.60%
+16.0% YoY
+9.2% QoQ
|
-1.33% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio ? |
78.56%
-14.1% YoY
-12.9% QoQ
|
+13.27% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? |
0.12%
-3.4% YoY
+25.0% QoQ
|
-0.76% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
113.50%
-12.3% YoY
-10.4% QoQ
|
+36.86% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 1.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.00%
-24.4% YoY
-18.1% QoQ
|
-13.02% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.0% in tier |
| Nonperforming Asset Ratio ? |
0.31%
-23.3% YoY
+6.8% QoQ
|
-0.33% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
19.53%
+1.5% YoY
+2.5% QoQ
|
+3.70% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Top 14.6% in tier |
| Non-Interest Income / Assets ? |
0.06%
+14.8% YoY
-75.5% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
23% |
Get Full Access to First Federal Savings and Loan Association
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (4)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.