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First Federal Savings Bank

$100M-$1B Specialty: Mortgage IN FDIC cert 31516

Rochester, IN

6 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 +13.3% year over year ($540.4M on the books).
  • Delinquency rate 0.94%.
  • Return on assets 0.97%.
  • Efficiency ratio 75.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 108.78% 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 Bank has 1 strength but faces 7 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

  • + Revenue Diversifier: Top 26.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 28.1% in tier
  • - Capital Thin: Bottom 36.0% in tier
  • - Credit Quality Pressure: Bottom 46.8% in tier
  • - Loan-to-Deposit Ratio 30.82% above tier average
  • - ROA 0.35% below tier average
  • - Net Interest Margin 0.50% below tier average
  • - Efficiency Ratio 11.13% above tier average
Get updates when First Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $686.6M
+5.6% YoY -0.5% QoQ
+$300.0M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
Top 13.1% in tier
Total Loans ? $587.9M
+5.6% YoY +0.3% QoQ
+$329.5M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
Top 6.6% in tier
Total Deposits ? $540.4M
+13.3% YoY -2.7% QoQ
+$213.7M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
83%
Return on Assets ? 0.97%
+18.0% YoY +18.1% QoQ
-0.35% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
32%
Net Interest Margin ? 3.48%
+14.1% YoY +2.9% QoQ
-0.50% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
27%
Efficiency Ratio ? 75.61%
-0.2% YoY -4.5% QoQ
+11.13% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
20%
Delinquency Rate ? 0.94%
+25.3% YoY -1.3% QoQ
+0.03% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
30%
Loan-to-Deposit Ratio ? 108.78%
-6.8% YoY +3.1% QoQ
+30.82% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
Bottom 3.7% in tier
Non-Interest-Bearing Deposit Share ? 12.81%
-6.8% YoY -7.9% QoQ
-9.22% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
17%
Nonperforming Asset Ratio ? 0.83%
+28.5% YoY +2.3% QoQ
+0.16% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
26%
Tier 1 Capital Ratio ? 9.31%
-34.5% YoY -31.4% QoQ
-6.60% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
Bottom 3.1% in tier
Non-Interest Income / Assets ? 0.77%
-2.5% YoY +130.7% QoQ
+0.20% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
Top 5.1% in tier

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 12.8%
-0.9pp YoY
-1.1pp QoQ
 -9.3pp 22.1% 16.8% 22.2% 16%
Brokered Deposits 8.4%
+1.8pp YoY
-3.5pp QoQ
 +0.5pp 7.9% 7.2% 8.5% 70%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 2.3%
+0.4pp YoY
-0.1pp QoQ
 -9.3pp 11.6% 11.1% 12.5% 8%
CRE 21.6%
+3.6pp YoY
+1.6pp QoQ
 -17.9pp 39.5% 36.2% 41.4% 21%
1-4 Family 75.9%
-4.1pp YoY
-1.7pp QoQ
 +43.3pp 32.6% 40.0% 31.3% 96%
Consumer 0.2%
+0.1pp YoY
+0.1pp QoQ
 -3.9pp 4.1% 3.2% 5.0% 8%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.5% 19.7% n/a
Leverage Ratio 9.3%
-0.3pp YoY
+0.1pp QoQ
 -2.9pp 12.2% 13.0% 12.6% 17%
Total Capital Ratio n/a n/a 19.9% 18.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 129
-3 (-2.3%) YoY
0 QoQ
 +70 58 237 482 95%
Assets per Employee ($) $5.3M
+8.1% YoY
-0.5% QoQ
 -$2.2M $7.5M $7.5M $8.8M 20%
Branch Count 6
0 YoY
0 QoQ
 +1 4 17 18 66%

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 0.9%
+0.2pp YoY
0.0pp QoQ
 0.0pp 0.9% 0.8% 1.0% 70%
Allowance Coverage 1.10x
-22.1% YoY
+1.9% QoQ
 -23.05x 24.15x 6.71x 20.23x 29%
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 10.8%
+1.6pp YoY
+1.6pp QoQ
 -1.3pp 12.2% 11.2% 11.6% 42%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.8% 1.7% 77%
Net Income ($, YTD) $3.3M
+24.5% YoY
— QoQ
 +$776K $2.6M $16.3M $40.4M 74%

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 (1)

Revenue Diversifier

growth
#177 of 661 • Top 26.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.77%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.97%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk
#264 of 936 • Bottom 28.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Capital Thin

risk
#239 of 661 • Bottom 36.0% 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: 9.31%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Credit Quality Pressure

risk
#589 of 1256 • Bottom 46.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.94%
(Tier: 0.92%, National: 0.98%)
worse than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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 (4 metrics)

137
Non-Interest Income / Assets
revenue_mix
Value: 0.77%
Peer Median: 0.57%
#137 of 2643 Top 5.1% in $100M-$1B
175
Total Loans
size
Value: $587.86M
Peer Median: $258.35M
#175 of 2643 Top 6.6% in $100M-$1B
348
Total Assets
size
Value: $686.61M
Peer Median: $386.57M
#348 of 2643 Top 13.1% in $100M-$1B
442
Total Deposits
size
Value: $540.42M
Peer Median: $326.73M
#442 of 2643 Top 16.7% in $100M-$1B

Top Weaknesses (4 metrics)

2562
Tier 1 Capital Ratio
capital
Value: 9.31%
Peer Median: 15.91%
#2562 of 2643 Bottom 3.1% in $100M-$1B
2546
Loan-to-Deposit Ratio
liquidity
Value: 108.78%
Peer Median: 77.95%
#2546 of 2643 Bottom 3.7% in $100M-$1B
2201
Non-Interest-Bearing Deposit Share
funding
Value: 12.81%
Peer Median: 22.03%
#2201 of 2643 Bottom 16.8% in $100M-$1B
2128
Efficiency Ratio
profitability
Value: 75.61%
Peer Median: 64.48%
#2128 of 2643 Bottom 19.5% in $100M-$1B
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