BlastPoint's Banking Scorecard
First Federal Savings and Loan Association
Micro
Specialty: Mortgage
OH
FDIC cert 29090
Designations: ✓ Community bank ✓ Mutual
Newark, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
First Federal Savings and Loan Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.68% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$295.5M
+0.8% YoY
+0.6% QoQ
|
+$78.0M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$212.5M
+3.5% YoY
+0.9% QoQ
|
+$73.4M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$254.8M
+1.1% YoY
+0.7% QoQ
|
+$71.1M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
0.34%
+129.5% YoY
+13.9% QoQ
|
-0.74% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.87%
+12.4% YoY
+2.5% QoQ
|
-0.98% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
85.79%
-8.1% YoY
-1.4% QoQ
|
+18.07% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
1.03%
+60.8% YoY
+32.6% QoQ
|
+0.39% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
83.43%
+2.4% YoY
+0.2% QoQ
|
+8.90% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
7.71%
+10.1% YoY
+12.4% QoQ
|
-14.68% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.74%
+65.0% YoY
+33.0% QoQ
|
+0.29% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
27% |
| 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 ? |
0.37%
-0.5% YoY
+31.5% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.71%
(Tier avg: 22.39%, 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
77
77th pctile
Total Loans
Current: $212.5M · Tier avg: $139.2M
72
72th pctile
Total Deposits
Current: $254.8M · Tier avg: $183.7M
71
71th pctile
Total Assets
Current: $295.5M · Tier avg: $217.5M
65
65th pctile
Loan-to-Deposit Ratio
Current: 83.43% · Tier avg: 74.53%
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
28
28th pctile
Delinquency Rate
Current: 1.03% · Tier avg: 0.64%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.45%
13
13th pctile
Return on Assets
Current: 0.34% · Tier avg: 1.08%
13
13th pctile
Efficiency Ratio
Current: 85.79% · Tier avg: 67.73%
12
12th pctile
Net Interest Margin
Current: 2.87% · Tier avg: 3.85%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.71% · Tier avg: 22.39%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.71% · Tier avg: 22.39%
12
12th pctile
Net Interest Margin
Current: 2.87% · Tier avg: 3.85%
13
13th pctile
Efficiency Ratio
Current: 85.79% · Tier avg: 67.73%
13
13th pctile
Return on Assets
Current: 0.34% · Tier avg: 1.08%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.45%
28
28th pctile
Delinquency Rate
Current: 1.03% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
65
65th pctile
Loan-to-Deposit Ratio
Current: 83.43% · Tier avg: 74.53%
71
71th pctile
Total Assets
Current: $295.5M · Tier avg: $217.5M
72
72th pctile
Total Deposits
Current: $254.8M · Tier avg: $183.7M
77
77th pctile
Total Loans
Current: $212.5M · Tier avg: $139.2M