FIRST FEDERAL SAVINGS BANK

ROCHESTER, IN | Medium | Est. Jan. 1, 1965, midnight | FDIC #31516 | RSSD #257578 | OCC
Latest Report: 2025-12-31

FIRST FEDERAL SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in ROCHESTER, IN, established in Jan. 1, 1965, midnight. As of 2025-12-31, the bank reported total assets of $673M and total deposits of $535M. Profitability stands at 0.90% ROA and 9.89% ROE, with a net interest margin of 3.38%. The bank's CET1 capital ratio is 13.85%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.88% and a Texas Ratio of 7.78%. FDIC Certificate #31516.

Assets

$673M

Deposits

$535M

Loans

$583M

Equity

$60M

Profitability

Return on Assets (ROA) 0.90%
Return on Equity (ROE) 9.89%
Net Interest Margin (NIM) 3.38%
Yield on Assets 5.60%
Cost of Funds 2.26%

Asset Quality

NPL Ratio 0.88%
Net Charge-Off Ratio 0.02%
Texas Ratio 7.78%
NPA Ratio 0.76%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 13.85%
Tier 1 Capital 13.85%
Total Capital Ratio 15.11%
Leverage Ratio 9.24%
Loan-to-Deposit 108.86%

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