BlastPoint's Banking Scorecard
First Federal Savings and Loan Association
Micro
Specialty: Mortgage
KY
FDIC cert 31197
Designations: ✓ Community bank
Hazard, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
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
- - Net Interest Margin 1.39% below tier
- - Loan-to-Deposit Ratio 55.81% above tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
- - Nonperforming Asset Ratio 1.23% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$86.5M
-1.6% YoY
+2.8% QoQ
|
-$131.0M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$78.4M
-1.3% YoY
+2.9% QoQ
|
-$60.8M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$60.1M
+8.9% YoY
+5.2% QoQ
|
-$123.5M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
0.25%
+284.8% YoY
+10.6% QoQ
|
-0.83% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.46%
+32.2% YoY
+3.1% QoQ
|
-1.39% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
85.03%
-9.4% YoY
-1.5% QoQ
|
+17.30% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
1.86%
+0.5% YoY
-17.5% QoQ
|
+1.22% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
130.33%
-9.4% YoY
-2.2% QoQ
|
+55.81% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
1.68%
+0.1% YoY
-17.5% QoQ
|
+1.23% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
-0.00%
-303.2% YoY
+2.7% QoQ
|
-0.56% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.46%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
130.33%
(Tier avg: 74.53%, National avg: 78.04%)
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%)
Nonperforming Asset Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
1.68%
(Tier avg: 0.45%, National avg: 0.48%)
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%
33
33th pctile
Total Loans
Current: $78.4M · Tier avg: $139.2M
18
18th pctile
Total Assets
Current: $86.5M · Tier avg: $217.5M
14
14th pctile
Delinquency Rate
Current: 1.86% · Tier avg: 0.64%
14
14th pctile
Total Deposits
Current: $60.1M · Tier avg: $183.7M
13
13th pctile
Efficiency Ratio
Current: 85.03% · Tier avg: 67.73%
11
11th pctile
Return on Assets
Current: 0.25% · Tier avg: 1.08%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.68% · Tier avg: 0.45%
5
5th pctile
Net Interest Margin
Current: 2.46% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
1
1th pctile
Loan-to-Deposit Ratio
Current: 130.33% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 130.33% · Tier avg: 74.53%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
5
5th pctile
Net Interest Margin
Current: 2.46% · Tier avg: 3.85%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.68% · Tier avg: 0.45%
11
11th pctile
Return on Assets
Current: 0.25% · Tier avg: 1.08%
13
13th pctile
Efficiency Ratio
Current: 85.03% · Tier avg: 67.73%
14
14th pctile
Total Deposits
Current: $60.1M · Tier avg: $183.7M
14
14th pctile
Delinquency Rate
Current: 1.86% · Tier avg: 0.64%
18
18th pctile
Total Assets
Current: $86.5M · Tier avg: $217.5M
33
33th pctile
Total Loans
Current: $78.4M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%