BlastPoint's Banking Scorecard
First Federal Savings Bank of Angola
Micro
Specialty: Mortgage
IN
FDIC cert 28769
Designations: ✓ Community bank ✓ Mutual
Angola, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
First Federal Savings Bank of Angola demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 26.76% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$137.7M
-0.6% YoY
+0.1% QoQ
|
-$79.8M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$106.0M
+10.0% YoY
+2.6% QoQ
|
-$33.1M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$104.7M
-2.1% YoY
-0.2% QoQ
|
-$79.0M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
0.97%
+25.0% YoY
+5.1% QoQ
|
-0.12% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
3.62%
+12.6% YoY
+1.6% QoQ
|
-0.24% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
66.14%
-3.6% YoY
-1.2% QoQ
|
-1.59% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
101.28%
+12.3% YoY
+2.8% QoQ
|
+26.76% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.84%
-1.3% YoY
+1.9% QoQ
|
+2.45% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.02%
-60.6% YoY
|
-0.43% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.27%
-8.3% YoY
+33.6% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
101.28%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
92
92th pctile
Loan-to-Deposit Ratio
Current: 101.28% · Tier avg: 74.53%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 24.84% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Efficiency Ratio
Current: 66.14% · Tier avg: 67.73%
45
45th pctile
Total Loans
Current: $106.0M · Tier avg: $139.2M
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
40
40th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.85%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
34
34th pctile
Total Assets
Current: $137.7M · Tier avg: $217.5M
30
30th pctile
Total Deposits
Current: $104.7M · Tier avg: $183.7M
Top Weaknesses
30
30th pctile
Total Deposits
Current: $104.7M · Tier avg: $183.7M
34
34th pctile
Total Assets
Current: $137.7M · Tier avg: $217.5M
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
40
40th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.85%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
45
45th pctile
Total Loans
Current: $106.0M · Tier avg: $139.2M
50
50th pctile
Efficiency Ratio
Current: 66.14% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 24.84% · Tier avg: 22.39%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
92
92th pctile
Loan-to-Deposit Ratio
Current: 101.28% · Tier avg: 74.53%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%