BlastPoint's Banking Scorecard
First Federal Savings and Loan Bank
Micro
Specialty: Mortgage
KS
FDIC cert 28635
Designations: ✓ Community bank
Olathe, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
First Federal Savings and Loan Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.32% above tier
- + Efficiency Ratio 43.48% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 21.54% below tier
- - Nonperforming Asset Ratio 1.45% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$108.9M
-4.4% YoY
-3.9% QoQ
|
-$108.6M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$89.9M
-8.5% YoY
-2.4% QoQ
|
-$49.3M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$91.0M
-4.5% YoY
-3.9% QoQ
|
-$92.6M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
3.40%
-8.9% YoY
-4.3% QoQ
|
+2.32% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
4.62%
-5.0% YoY
+0.3% QoQ
|
+0.77% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
24.25%
+34.3% YoY
+12.2% QoQ
|
-43.48% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
1.82%
-14.0% YoY
+3.3% QoQ
|
+1.18% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 15% in tier |
| Loan-to-Deposit Ratio ? |
98.76%
-4.1% YoY
+1.6% QoQ
|
+24.24% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.85%
+5.7% YoY
-59.6% QoQ
|
-21.54% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
1.90%
-11.9% YoY
-2.1% QoQ
|
+1.45% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.16%
+5.3% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.40%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
24.25%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.85%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
1.90%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Efficiency Ratio
Current: 24.25% · Tier avg: 67.73%
99
99th pctile
Return on Assets
Current: 3.40% · Tier avg: 1.08%
82
82th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Total Loans
Current: $89.9M · Tier avg: $139.2M
26
26th pctile
Total Deposits
Current: $91.0M · Tier avg: $183.7M
25
25th pctile
Total Assets
Current: $108.9M · Tier avg: $217.5M
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
15
15th pctile
Delinquency Rate
Current: 1.82% · Tier avg: 0.64%
10
10th pctile
Loan-to-Deposit Ratio
Current: 98.76% · Tier avg: 74.53%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.90% · Tier avg: 0.45%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.85% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.85% · Tier avg: 22.39%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.90% · Tier avg: 0.45%
10
10th pctile
Loan-to-Deposit Ratio
Current: 98.76% · Tier avg: 74.53%
15
15th pctile
Delinquency Rate
Current: 1.82% · Tier avg: 0.64%
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
25
25th pctile
Total Assets
Current: $108.9M · Tier avg: $217.5M
26
26th pctile
Total Deposits
Current: $91.0M · Tier avg: $183.7M
39
39th pctile
Total Loans
Current: $89.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
82
82th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.85%
99
99th pctile
Return on Assets
Current: 3.40% · Tier avg: 1.08%
100
100th pctile
Efficiency Ratio
Current: 24.25% · Tier avg: 67.73%