BlastPoint's Banking Scorecard
First Federal Savings Bank of Washington
Micro
Specialty: Mortgage
IN
FDIC cert 29710
Designations: ✓ Community bank ✓ Mutual
Washington, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
First Federal Savings Bank of Washington faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.29% above tier
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$95.1M
+4.7% YoY
+0.7% QoQ
|
-$122.3M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$72.1M
+2.8% YoY
-0.4% QoQ
|
-$67.1M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$76.2M
+4.2% YoY
+0.9% QoQ
|
-$107.5M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
0.38%
-2.0% QoQ
|
-0.70% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
3.24%
+11.8% YoY
+1.5% QoQ
|
-0.61% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
81.37%
-18.2% YoY
+0.9% QoQ
|
+13.64% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
2.30%
+17.9% YoY
+22.9% QoQ
|
+1.66% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
94.58%
-1.3% YoY
-1.4% QoQ
|
+20.05% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
15.46%
+9.8% YoY
+17.3% QoQ
|
-6.93% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
1.74%
+15.7% YoY
+21.5% QoQ
|
+1.29% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.11%
-60.7% YoY
+30.3% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.74%
(Tier avg: 0.45%, National avg: 0.48%)
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
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
30
30th pctile
Total Loans
Current: $72.1M · Tier avg: $139.2M
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.46% · Tier avg: 22.39%
23
23th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.85%
21
21th pctile
Total Assets
Current: $95.1M · Tier avg: $217.5M
20
20th pctile
Total Deposits
Current: $76.2M · Tier avg: $183.7M
19
19th pctile
Efficiency Ratio
Current: 81.37% · Tier avg: 67.73%
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.58% · Tier avg: 74.53%
15
15th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.08%
11
11th pctile
Delinquency Rate
Current: 2.30% · Tier avg: 0.64%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.74% · Tier avg: 0.45%
Top Weaknesses
9
9th pctile
Nonperforming Asset Ratio
Current: 1.74% · Tier avg: 0.45%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
11
11th pctile
Delinquency Rate
Current: 2.30% · Tier avg: 0.64%
15
15th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.08%
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.58% · Tier avg: 74.53%
19
19th pctile
Efficiency Ratio
Current: 81.37% · Tier avg: 67.73%
20
20th pctile
Total Deposits
Current: $76.2M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $95.1M · Tier avg: $217.5M
23
23th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.85%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.46% · Tier avg: 22.39%
30
30th pctile
Total Loans
Current: $72.1M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%