BlastPoint's Banking Scorecard
First Federal Savings and Loan Association
Micro
Specialty: Commercial
KY
FDIC cert 31409
Designations: ✓ Community bank ✓ Mutual
Morehead, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
First Federal Savings and Loan Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 47.86% above tier
- + Tier 1 Capital Ratio 30.46% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 22.77% above tier
- - Non-Interest-Bearing Deposit Share 21.80% below tier
- - Nonperforming Asset Ratio 1.57% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.4M
-0.3% YoY
-2.6% QoQ
|
-$177.1M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$36.3M
+2.6% YoY
-0.3% QoQ
|
-$102.9M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$29.6M
+3.9% YoY
+2.1% QoQ
|
-$154.0M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.23%
+1.6% YoY
-21.6% QoQ
|
-0.85% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
3.67%
+4.7% YoY
+0.4% QoQ
|
-0.19% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
90.50%
-0.8% YoY
+1.8% QoQ
|
+22.77% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
2.25%
+30.9% YoY
+20.7% QoQ
|
+1.61% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
122.38%
-1.2% YoY
-2.3% QoQ
|
+47.86% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.59%
-26.0% YoY
+225.3% QoQ
|
-21.80% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
2.02%
+34.7% YoY
+23.6% QoQ
|
+1.57% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
39.31%
+1.1% YoY
+1.3% QoQ
|
+30.46% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.13%
-28.8% YoY
+23.2% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
122.38%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
39.31%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (3)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
90.50%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.59%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.02%
(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
99
99th pctile
Loan-to-Deposit Ratio
Current: 122.38% · Tier avg: 74.53%
99
99th pctile
Tier 1 Capital Ratio
Current: 39.31% · Tier avg: 8.85%
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
14
14th pctile
Total Loans
Current: $36.3M · Tier avg: $139.2M
13
13th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
11
11th pctile
Delinquency Rate
Current: 2.25% · Tier avg: 0.64%
11
11th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.08%
9
9th pctile
Efficiency Ratio
Current: 90.50% · Tier avg: 67.73%
7
7th pctile
Nonperforming Asset Ratio
Current: 2.02% · Tier avg: 0.45%
5
5th pctile
Total Assets
Current: $40.4M · Tier avg: $217.5M
5
5th pctile
Total Deposits
Current: $29.6M · Tier avg: $183.7M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.59% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.59% · Tier avg: 22.39%
5
5th pctile
Total Deposits
Current: $29.6M · Tier avg: $183.7M
5
5th pctile
Total Assets
Current: $40.4M · Tier avg: $217.5M
7
7th pctile
Nonperforming Asset Ratio
Current: 2.02% · Tier avg: 0.45%
9
9th pctile
Efficiency Ratio
Current: 90.50% · Tier avg: 67.73%
11
11th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.08%
11
11th pctile
Delinquency Rate
Current: 2.25% · Tier avg: 0.64%
13
13th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
14
14th pctile
Total Loans
Current: $36.3M · Tier avg: $139.2M
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
99
99th pctile
Tier 1 Capital Ratio
Current: 39.31% · Tier avg: 8.85%
99
99th pctile
Loan-to-Deposit Ratio
Current: 122.38% · Tier avg: 74.53%