BlastPoint's Banking Scorecard

First Federal Savings and Loan Association

under $100M Specialty: Mortgage KY FDIC cert 31197

Designations: ✓ Community bank

Hazard, KY

541 banks in the under $100M peer group nationally 14 in KY

First Federal Savings and Loan Association 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 25.16% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 63.21% above tier average
- Non-Interest-Bearing Deposit Share 23.71% below tier average
- Non-Interest Income / Assets 0.67% below tier average
- Net Interest Margin 0.74% below tier average
- Delinquency Rate 0.22% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$87.2M +0.5% YoY +0.8% QoQ	+$25.0M	$62.2M -0.6% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$77.8M -0.3% YoY -0.8% QoQ	+$43.5M	$34.2M -1.4% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	Top 1.8% in tier
Total Deposits ?	$61.0M +8.0% YoY +1.5% QoQ	+$9.3M	$51.7M -0.7% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	60%
Return on Assets ?	0.81% +580.7% YoY +222.1% QoQ	-0.02%	0.84% -2.3% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	43%
Net Interest Margin ?	3.12% +36.8% YoY +26.9% QoQ	-0.74%	3.86% +2.8% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	19%
Efficiency Ratio ?	63.18% -31.3% YoY -25.7% QoQ	-25.16%	88.34% +0.3% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	69%
Delinquency Rate ?	1.59% -33.1% YoY -14.5% QoQ	+0.22%	1.37% +33.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	26%
Loan-to-Deposit Ratio ?	127.42% -7.7% YoY -2.2% QoQ	+63.21%	64.22% -0.7% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	Bottom 1.7% in tier
Non-Interest-Bearing Deposit Share ?	0.00%	-23.71%	23.71% +0.3% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	Bottom 5.0% in tier
Nonperforming Asset Ratio ?	1.42% -34.0% YoY -15.8% QoQ	+0.63%	0.79% +28.2% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	17%
Tier 1 Capital Ratio ?	21.17% +3.3% YoY -1.3% QoQ	-5.52%	26.68% +2.0% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.00% +100.0% QoQ	-0.67%	0.67% +1.9% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	Bottom 2.6% in tier

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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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (2 metrics)

Total Loans

size

Value: $77.78M

Peer Median: $34.25M

#11 of 541 Top 1.8% in under $100M

Total Assets

size

Value: $87.16M

Peer Median: $62.16M

#97 of 541 Top 17.7% in under $100M

Top Weaknesses (5 metrics)

533

Loan-to-Deposit Ratio

liquidity

Value: 127.42%

Peer Median: 64.22%

#533 of 541 Bottom 1.7% in under $100M

528

Non-Interest Income / Assets

revenue_mix

Value: 0.00%

Peer Median: 0.67%

#528 of 541 Bottom 2.6% in under $100M

515

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 23.71%

#515 of 541 Bottom 5.0% in under $100M

448

Nonperforming Asset Ratio

credit_quality

Value: 1.42%

Peer Median: 0.79%

#448 of 541 Bottom 17.4% in under $100M

439

Net Interest Margin

profitability

Value: 3.12%

Peer Median: 3.86%

#439 of 541 Bottom 19.0% in under $100M