BlastPoint's Banking Scorecard

First Federal Savings Bank

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

Rochester, IN

6 branches across IN

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

First Federal Savings Bank 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

+ Revenue Diversifier: Top 40.2% in tier

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 28.91% above tier average
- ROA 0.44% below tier average
- Net Interest Margin 0.55% below tier average
- Efficiency Ratio 13.85% above tier average
- Delinquency Rate 0.07% above tier average

Get updates when First Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$690.3M +9.7% YoY +2.6% QoQ	+$304.3M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	Top 13.1% in tier
Total Loans ?	$586.2M +9.5% YoY +1.7% QoQ	+$330.5M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	Top 6.5% in tier
Total Deposits ?	$555.4M +10.5% YoY +3.7% QoQ	+$227.4M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	0.83% +1.2% YoY -2.2% QoQ	-0.44%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	27%
Net Interest Margin ?	3.38% +13.1% YoY +5.8% QoQ	-0.55%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	25%
Efficiency Ratio ?	79.13% +2.9% YoY +4.6% QoQ	+13.85%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	16%
Delinquency Rate ?	0.96% -6.0% YoY +7.2% QoQ	+0.07%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	105.55% -0.9% YoY -2.0% QoQ	+28.91%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	Bottom 4.7% in tier
Non-Interest-Bearing Deposit Share ?	13.91% +1.1% YoY +3.4% QoQ	-8.11%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	20%
Nonperforming Asset Ratio ?	0.81% -8.1% YoY +6.3% QoQ	+0.17%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	25%
Tier 1 Capital Ratio ?	13.57% -4.3% YoY -2.0% QoQ	-2.26%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.33% -19.5% YoY -77.8% QoQ	+0.05%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	Top 6.0% in tier

Get Full Access to First Federal Savings Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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

#269 of 666 • Top 40.2% 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: 0.33%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.83%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

161

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.28%

#161 of 2664 Top 6.0% in $100M-$1B

174

Total Loans

size

Value: $586.19M

Peer Median: $255.72M

#174 of 2664 Top 6.5% in $100M-$1B

349

Total Assets

size

Value: $690.34M

Peer Median: $386.08M

#349 of 2664 Top 13.1% in $100M-$1B

426

Total Deposits

size

Value: $555.38M

Peer Median: $327.97M

#426 of 2664 Top 16.0% in $100M-$1B

Top Weaknesses (3 metrics)

2540

Loan-to-Deposit Ratio

liquidity

Value: 105.55%

Peer Median: 76.64%

#2540 of 2664 Bottom 4.7% in $100M-$1B

2231

Efficiency Ratio

profitability

Value: 79.13%

Peer Median: 65.29%

#2231 of 2664 Bottom 16.3% in $100M-$1B

2124

Non-Interest-Bearing Deposit Share

funding

Value: 13.91%

Peer Median: 22.02%

#2124 of 2664 Bottom 20.3% in $100M-$1B