BlastPoint's Banking Scorecard
First Federal Savings and Loan Association
Micro
Specialty: Mortgage
OH
FDIC cert 29345
Designations: ✓ Community bank
Delta, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
First Federal Savings and Loan Association demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 31.96% 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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$242.2M
+4.8% YoY
+1.6% QoQ
|
+$24.7M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$107.4M
+8.6% YoY
+4.4% QoQ
|
-$31.8M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$203.1M
+3.4% YoY
+1.7% QoQ
|
+$19.4M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
0.96%
+5.9% YoY
+3.0% QoQ
|
-0.12% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
3.65%
-0.1% YoY
+1.1% QoQ
|
-0.20% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
68.84%
+0.2% YoY
-1.5% QoQ
|
+1.11% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-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 ? |
52.88%
+5.1% YoY
+2.7% QoQ
|
-21.65% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
11.00%
+3.4% YoY
+8.8% QoQ
|
-11.40% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-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 ? |
40.81%
-1.9% YoY
-0.9% QoQ
|
+31.96% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.36%
+5.1% YoY
+29.7% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (3)
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%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
40.81%
(Tier avg: 8.85%, National avg: 9.75%)
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%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Tier 1 Capital Ratio
Current: 40.81% · Tier avg: 8.85%
61
61th pctile
Total Assets
Current: $242.2M · Tier avg: $217.5M
60
60th pctile
Total Deposits
Current: $203.1M · Tier avg: $183.7M
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
46
46th pctile
Total Loans
Current: $107.4M · Tier avg: $139.2M
43
43th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.08%
43
43th pctile
Efficiency Ratio
Current: 68.84% · Tier avg: 67.73%
42
42th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.85%
16
16th pctile
Loan-to-Deposit Ratio
Current: 52.88% · Tier avg: 74.53%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.00% · Tier avg: 22.39%
Top Weaknesses
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.00% · Tier avg: 22.39%
16
16th pctile
Loan-to-Deposit Ratio
Current: 52.88% · Tier avg: 74.53%
42
42th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.85%
43
43th pctile
Efficiency Ratio
Current: 68.84% · Tier avg: 67.73%
43
43th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.08%
46
46th pctile
Total Loans
Current: $107.4M · Tier avg: $139.2M
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
60
60th pctile
Total Deposits
Current: $203.1M · Tier avg: $183.7M
61
61th pctile
Total Assets
Current: $242.2M · Tier avg: $217.5M
99
99th pctile
Tier 1 Capital Ratio
Current: 40.81% · Tier avg: 8.85%
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%