BlastPoint's Banking Scorecard
First Federal Savings and Loan Association
Micro
Specialty: Mortgage
MS
FDIC cert 30812
Designations: ✓ Community bank ✓ Mutual
Pascagoula, MS
2498
banks in Micro tier nationally
31 in MS
View Micro leaderboard (MS) →
First Federal Savings and Loan Association faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.88% below tier
- - Net Interest Margin 1.47% below tier
- - Efficiency Ratio 22.43% above tier
- - Loan-to-Deposit Ratio 52.17% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$379.3M
+0.1% YoY
-0.4% QoQ
|
+$161.8M |
$217.5M
+2.3% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$313.3M
+0.1% YoY
-1.7% QoQ
|
+$174.1M |
$139.2M
+2.8% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$247.3M
+4.5% YoY
-0.9% QoQ
|
+$63.6M |
$183.7M
+1.8% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
0.21%
+15.8% YoY
-5.1% QoQ
|
-0.88% |
1.08%
+14.7% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.38%
+4.4% YoY
+1.4% QoQ
|
-1.47% |
3.85%
+6.6% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
90.16%
-2.7% YoY
+0.5% QoQ
|
+22.43% |
67.73%
-4.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.10%
-66.1% YoY
+3.4% QoQ
|
-0.54% |
0.64%
+24.4% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
126.70%
-4.3% YoY
-0.8% QoQ
|
+52.17% |
74.53%
+0.5% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.99%
-14.4% YoY
+5.7% QoQ
|
-11.41% |
22.39%
-1.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.29%
-34.9% YoY
-11.1% QoQ
|
-0.16% |
0.45%
+25.1% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
19.06%
+0.6% YoY
+2.1% QoQ
|
+10.21% |
8.85%
-3.4% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.23%
-32.3% YoY
+35.6% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.21%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.38%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
90.16%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
126.70%
(Tier avg: 74.53%, National avg: 78.04%)
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
94
94th pctile
Total Loans
Current: $313.3M · Tier avg: $139.2M
85
85th pctile
Total Assets
Current: $379.3M · Tier avg: $217.5M
85
85th pctile
Tier 1 Capital Ratio
Current: 19.06% · Tier avg: 8.85%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
70
70th pctile
Total Deposits
Current: $247.3M · Tier avg: $183.7M
49
49th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.45%
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.99% · Tier avg: 22.39%
10
10th pctile
Return on Assets
Current: 0.21% · Tier avg: 1.08%
9
9th pctile
Efficiency Ratio
Current: 90.16% · Tier avg: 67.73%
4
4th pctile
Net Interest Margin
Current: 2.38% · Tier avg: 3.85%
1
1th pctile
Loan-to-Deposit Ratio
Current: 126.70% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 126.70% · Tier avg: 74.53%
4
4th pctile
Net Interest Margin
Current: 2.38% · Tier avg: 3.85%
9
9th pctile
Efficiency Ratio
Current: 90.16% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.21% · Tier avg: 1.08%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.99% · Tier avg: 22.39%
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.45%
70
70th pctile
Total Deposits
Current: $247.3M · Tier avg: $183.7M
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.06% · Tier avg: 8.85%
85
85th pctile
Total Assets
Current: $379.3M · Tier avg: $217.5M
94
94th pctile
Total Loans
Current: $313.3M · Tier avg: $139.2M