BlastPoint's Banking Scorecard
First Federal Savings and Loan Association
Micro
Specialty: Mortgage
OH
FDIC cert 29005
Designations: ✓ Community bank ✓ Mutual
Centerburg, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
First Federal Savings and Loan Association has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.71% below tier
- - Net Interest Margin 1.38% below tier
- - Efficiency Ratio 59.72% above tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$22.4M
-4.4% YoY
-4.7% QoQ
|
-$195.1M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$13.9M
-3.8% YoY
-0.0% QoQ
|
-$125.3M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$16.6M
-5.2% YoY
-5.9% QoQ
|
-$167.0M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
-0.63%
-423.0% YoY
-29.4% QoQ
|
-1.71% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
2.47%
-14.8% YoY
-0.8% QoQ
|
-1.38% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
127.44%
+33.1% YoY
+5.1% QoQ
|
+59.72% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
83.44%
+1.4% YoY
+6.2% QoQ
|
+8.91% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.11%
-3.1% YoY
+31.1% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
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%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (5)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-0.63%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.47%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
127.44%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
65
65th pctile
Loan-to-Deposit Ratio
Current: 83.44% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
6
6th pctile
Net Interest Margin
Current: 2.47% · Tier avg: 3.85%
5
5th pctile
Total Loans
Current: $13.9M · Tier avg: $139.2M
3
3th pctile
Return on Assets
Current: -0.63% · Tier avg: 1.08%
2
2th pctile
Total Deposits
Current: $16.6M · Tier avg: $183.7M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
2
2th pctile
Total Assets
Current: $22.4M · Tier avg: $217.5M
1
1th pctile
Efficiency Ratio
Current: 127.44% · Tier avg: 67.73%
Top Weaknesses
1
1th pctile
Efficiency Ratio
Current: 127.44% · Tier avg: 67.73%
2
2th pctile
Total Assets
Current: $22.4M · Tier avg: $217.5M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
2
2th pctile
Total Deposits
Current: $16.6M · Tier avg: $183.7M
3
3th pctile
Return on Assets
Current: -0.63% · Tier avg: 1.08%
5
5th pctile
Total Loans
Current: $13.9M · Tier avg: $139.2M
6
6th pctile
Net Interest Margin
Current: 2.47% · Tier avg: 3.85%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Loan-to-Deposit Ratio
Current: 83.44% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%