BlastPoint's Banking Scorecard
First Federal Savings of Middletown
Micro
Specialty: Commercial
NY
FDIC cert 28712
Designations: ✓ Community bank
Middletown, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
First Federal Savings of Middletown has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.36% above tier
- + Loan-to-Deposit Ratio 66.26% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 19.37% below tier
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$181.8M
+1.1% YoY
+0.5% QoQ
|
-$35.7M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$152.0M
+0.8% YoY
-0.9% QoQ
|
+$12.8M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$108.0M
-1.6% YoY
+0.5% QoQ
|
-$75.7M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
1.86%
+21.2% YoY
-14.7% QoQ
|
+0.77% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
5.22%
+5.0% YoY
-0.2% QoQ
|
+1.36% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
51.98%
+2.3% YoY
+16.6% QoQ
|
-15.75% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.23%
-52.8% YoY
+0.9% QoQ
|
-0.41% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
140.78%
+2.4% YoY
-1.4% QoQ
|
+66.26% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.02%
-13.8% YoY
-14.9% QoQ
|
-19.37% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.19%
-52.9% YoY
-0.5% QoQ
|
-0.26% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.10%
-21.3% YoY
+29.2% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.22%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
140.78%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.02%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
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
Loan-to-Deposit Ratio
Current: 140.78% · Tier avg: 74.53%
94
94th pctile
Net Interest Margin
Current: 5.22% · Tier avg: 3.85%
87
87th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.08%
87
87th pctile
Efficiency Ratio
Current: 51.98% · Tier avg: 67.73%
61
61th pctile
Total Loans
Current: $152.0M · Tier avg: $139.2M
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Total Assets
Current: $181.8M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $108.0M · Tier avg: $183.7M
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.02% · Tier avg: 22.39%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.02% · Tier avg: 22.39%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
31
31th pctile
Total Deposits
Current: $108.0M · Tier avg: $183.7M
46
46th pctile
Total Assets
Current: $181.8M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
61
61th pctile
Total Loans
Current: $152.0M · Tier avg: $139.2M
87
87th pctile
Efficiency Ratio
Current: 51.98% · Tier avg: 67.73%
87
87th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.08%
94
94th pctile
Net Interest Margin
Current: 5.22% · Tier avg: 3.85%
100
100th pctile
Loan-to-Deposit Ratio
Current: 140.78% · Tier avg: 74.53%