BlastPoint's Banking Scorecard
First Federal Savings Bank
Community
Specialty: Mortgage
IN
FDIC cert 31516
Rochester, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
First Federal Savings Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 41% in Community
- + Loan-to-Deposit Ratio 24.65% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 37% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$673.1M
+1.4% YoY
+1.5% QoQ
|
-$718.3M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$576.7M
+2.4% YoY
+2.0% QoQ
|
-$398.8M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$535.4M
+1.1% YoY
+9.5% QoQ
|
-$629.2M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
0.84%
+88.6% YoY
+2.1% QoQ
|
-0.32% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
3.20%
+21.5% YoY
+2.3% QoQ
|
-0.47% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
75.64%
-11.5% YoY
-1.0% QoQ
|
+13.01% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
0.89%
-18.6% YoY
-10.6% QoQ
|
+0.26% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
107.71%
+1.3% YoY
-6.8% QoQ
|
+24.65% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.45%
+13.1% YoY
-9.6% QoQ
|
-7.59% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.76%
-19.7% YoY
-10.3% QoQ
|
+0.27% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
13.85%
+2.6% YoY
+0.4% QoQ
|
+3.61% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
1.49%
+19.8% YoY
+28.7% QoQ
|
+0.75% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#154 of 371 · Top 41% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.49%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.84%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Loan-to-Deposit Ratio
metric
Top 5%
in Community
Why this stands out
Current:
107.71%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Flatlined Growth
risk
#92 of 245 · Bottom 37% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.84%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
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
95
95th pctile
Loan-to-Deposit Ratio
Current: 107.71% · Tier avg: 83.06%
93
93th pctile
Non-Interest Income / Assets
Current: 1.49% · Tier avg: 0.74%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.85% · Tier avg: 10.24%
39
39th pctile
Total Loans
Current: $576.7M · Tier avg: $975.5M
29
29th pctile
Delinquency Rate
Current: 0.89% · Tier avg: 0.63%
27
27th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.50%
25
25th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.66%
24
24th pctile
Total Assets
Current: $673.1M · Tier avg: $1.4B
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.45% · Tier avg: 21.05%
19
19th pctile
Total Deposits
Current: $535.4M · Tier avg: $1.2B
16
16th pctile
Efficiency Ratio
Current: 75.64% · Tier avg: 62.63%
Top Weaknesses
16
16th pctile
Efficiency Ratio
Current: 75.64% · Tier avg: 62.63%
19
19th pctile
Total Deposits
Current: $535.4M · Tier avg: $1.2B
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.45% · Tier avg: 21.05%
24
24th pctile
Total Assets
Current: $673.1M · Tier avg: $1.4B
25
25th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.66%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.50%
27
27th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
29
29th pctile
Delinquency Rate
Current: 0.89% · Tier avg: 0.63%
39
39th pctile
Total Loans
Current: $576.7M · Tier avg: $975.5M
66
66th pctile
Tier 1 Capital Ratio
Current: 13.85% · Tier avg: 10.24%
93
93th pctile
Non-Interest Income / Assets
Current: 1.49% · Tier avg: 0.74%
95
95th pctile
Loan-to-Deposit Ratio
Current: 107.71% · Tier avg: 83.06%