BlastPoint's Banking Scorecard
First Federal Savings & Loan Association of Ravenswood
Micro
Specialty: Mortgage
WV
FDIC cert 29490
Designations: ✓ Community bank ✓ Mutual
Ravenswood, WV
2498
banks in Micro tier nationally
29 in WV
View Micro leaderboard (WV) →
First Federal Savings & Loan Association of Ravenswood has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 13.66% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.59% below tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
- - Non-Interest Income / Assets 0.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$27.0M
+8.0% YoY
+2.4% QoQ
|
-$190.5M |
$217.5M
+2.3% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$20.2M
+2.3% YoY
+1.9% QoQ
|
-$119.0M |
$139.2M
+2.8% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$24.2M
+8.6% YoY
+3.4% QoQ
|
-$159.5M |
$183.7M
+1.8% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.22%
+791.8% YoY
+7.6% QoQ
|
-0.86% |
1.08%
+14.7% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.26%
+9.7% YoY
+0.5% QoQ
|
-1.59% |
3.85%
+6.6% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
86.59%
-16.6% YoY
-1.3% QoQ
|
+18.86% |
67.73%
-4.8% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.53%
-41.2% YoY
+1.0% QoQ
|
-0.11% |
0.64%
+24.4% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
83.37%
-5.8% YoY
-1.5% QoQ
|
+8.84% |
74.53%
+0.5% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.39%
-44.2% YoY
+0.5% QoQ
|
-0.06% |
0.45%
+25.1% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
22.51%
-2.3% YoY
-0.3% QoQ
|
+13.66% |
8.85%
-3.4% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.03%
+62.0% YoY
+13.9% QoQ
|
-0.54% |
0.56%
+0.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
22.51%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (3)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.26%
(Tier avg: 3.85%, National avg: 3.75%)
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 1%
in Micro
Why this stands out
Current:
0.03%
(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
90
90th pctile
Tier 1 Capital Ratio
Current: 22.51% · Tier avg: 8.85%
65
65th pctile
Loan-to-Deposit Ratio
Current: 83.37% · Tier avg: 74.53%
44
44th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.64%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
12
12th pctile
Efficiency Ratio
Current: 86.59% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.08%
7
7th pctile
Total Loans
Current: $20.2M · Tier avg: $139.2M
4
4th pctile
Total Deposits
Current: $24.2M · Tier avg: $183.7M
3
3th pctile
Net Interest Margin
Current: 2.26% · Tier avg: 3.85%
2
2th pctile
Total Assets
Current: $27.0M · Tier avg: $217.5M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
2
2th pctile
Total Assets
Current: $27.0M · Tier avg: $217.5M
3
3th pctile
Net Interest Margin
Current: 2.26% · Tier avg: 3.85%
4
4th pctile
Total Deposits
Current: $24.2M · Tier avg: $183.7M
7
7th pctile
Total Loans
Current: $20.2M · Tier avg: $139.2M
10
10th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.08%
12
12th pctile
Efficiency Ratio
Current: 86.59% · Tier avg: 67.73%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
44
44th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.64%
65
65th pctile
Loan-to-Deposit Ratio
Current: 83.37% · Tier avg: 74.53%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.51% · Tier avg: 8.85%