BlastPoint's Banking Scorecard
First Federal Savings and Loan Association of Greensburg
Micro
Specialty: Mortgage
IN
FDIC cert 30058
Designations: ✓ Community bank ✓ Mutual
Greensburg, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
First Federal Savings and Loan Association of Greensburg 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
- - Net Interest Margin 1.17% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$151.4M
-4.0% YoY
+3.7% QoQ
|
-$66.1M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$84.3M
-2.3% YoY
-0.3% QoQ
|
-$54.8M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$133.6M
-5.8% YoY
+3.8% QoQ
|
-$50.1M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
0.40%
+139.3% YoY
+15.3% QoQ
|
-0.69% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
2.68%
+21.4% YoY
+2.6% QoQ
|
-1.17% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
83.09%
-10.1% YoY
-2.2% QoQ
|
+15.36% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
1.08%
-16.4% YoY
-4.2% QoQ
|
+0.44% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
63.14%
+3.8% YoY
-4.0% QoQ
|
-11.39% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
12.22%
+20.9% YoY
+10.7% QoQ
|
-10.18% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.60%
-14.9% YoY
-7.9% QoQ
|
+0.15% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
23.77%
+6.5% YoY
-0.4% QoQ
|
+14.92% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.32%
+28.3% YoY
+53.3% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 8%
in Micro
Net Interest Margin is in the bottom decile of tier peers. Loan yields, funding mix, or asset mix are compressing margin relative to peers - check deposit costs and loan repricing cadence.
Why this stands out
Current:
2.68%
(Tier avg: 3.85%, National avg: 3.75%)
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
92
92th pctile
Tier 1 Capital Ratio
Current: 23.77% · Tier avg: 8.85%
72
72th pctile
Loan-to-Deposit Ratio
Current: 63.14% · Tier avg: 74.53%
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
40
40th pctile
Total Deposits
Current: $133.6M · Tier avg: $183.7M
38
38th pctile
Total Assets
Current: $151.4M · Tier avg: $217.5M
36
36th pctile
Total Loans
Current: $84.3M · Tier avg: $139.2M
32
32th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.45%
27
27th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.64%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.22% · Tier avg: 22.39%
16
16th pctile
Efficiency Ratio
Current: 83.09% · Tier avg: 67.73%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
8
8th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.85%
Top Weaknesses
8
8th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.85%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
16
16th pctile
Efficiency Ratio
Current: 83.09% · Tier avg: 67.73%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.22% · Tier avg: 22.39%
27
27th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.64%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.45%
36
36th pctile
Total Loans
Current: $84.3M · Tier avg: $139.2M
38
38th pctile
Total Assets
Current: $151.4M · Tier avg: $217.5M
40
40th pctile
Total Deposits
Current: $133.6M · Tier avg: $183.7M
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
72
72th pctile
Loan-to-Deposit Ratio
Current: 63.14% · Tier avg: 74.53%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.77% · Tier avg: 8.85%