BlastPoint's Banking Scorecard
First Federal Savings Bank
Community
Specialty: Commercial
IN
FDIC cert 29056
Evansville, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
First Federal Savings Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2% in Community
- - Efficiency Drag: Bottom 58% in Community
- - Return on Assets 0.80% below tier
- - Non-Interest-Bearing Deposit Share 13.40% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$605.0M
-2.8% YoY
-0.6% QoQ
|
-$786.4M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
15% |
| Total Loans ? |
$449.2M
-3.7% YoY
+0.1% QoQ
|
-$526.3M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$487.6M
+3.7% YoY
-1.0% QoQ
|
-$677.0M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
0.36%
+13.7% YoY
+23.9% QoQ
|
-0.80% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
2.92%
+5.7% YoY
+2.2% QoQ
|
-0.75% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 15% in tier |
| Efficiency Ratio ? |
89.68%
-0.9% YoY
-2.2% QoQ
|
+27.05% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
0.22%
-89.0% YoY
-23.6% QoQ
|
-0.40% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
92.13%
-7.1% YoY
+1.1% QoQ
|
+9.07% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
7.65%
-9.9% YoY
-1.2% QoQ
|
-13.40% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.21%
-86.3% YoY
-31.3% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
13.01%
+7.5% YoY
+1.8% QoQ
|
+2.77% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.62%
+17.1% YoY
+41.6% QoQ
|
-0.12% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Liquidity Strain
risk
#11 of 513 · Bottom 2% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.13%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#88 of 152 · Bottom 58% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
89.68%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.36%
(Tier avg: 1.16%, National avg: 1.12%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Community
Why this stands out
Current:
7.65%
(Tier avg: 21.05%, National avg: 21.79%)
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
68
68th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.63%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.01% · Tier avg: 10.24%
30
30th pctile
Loan-to-Deposit Ratio
Current: 92.13% · Tier avg: 83.06%
23
23th pctile
Total Loans
Current: $449.2M · Tier avg: $975.5M
15
15th pctile
Total Assets
Current: $605.0M · Tier avg: $1.4B
15
15th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.66%
11
11th pctile
Total Deposits
Current: $487.6M · Tier avg: $1.2B
7
7th pctile
Return on Assets
Current: 0.36% · Tier avg: 1.16%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.65% · Tier avg: 21.05%
3
3th pctile
Efficiency Ratio
Current: 89.68% · Tier avg: 62.63%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 89.68% · Tier avg: 62.63%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.65% · Tier avg: 21.05%
7
7th pctile
Return on Assets
Current: 0.36% · Tier avg: 1.16%
11
11th pctile
Total Deposits
Current: $487.6M · Tier avg: $1.2B
15
15th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.66%
15
15th pctile
Total Assets
Current: $605.0M · Tier avg: $1.4B
23
23th pctile
Total Loans
Current: $449.2M · Tier avg: $975.5M
30
30th pctile
Loan-to-Deposit Ratio
Current: 92.13% · Tier avg: 83.06%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.01% · Tier avg: 10.24%
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
68
68th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.63%