Banks FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION

MOREHEAD, KY Micro Est. Aug. 12, 1963, midnight FDIC #31409 RSSD #411174 OCC
Latest · 2025-12-31

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION is an FDIC-insured commercial bank headquartered in MOREHEAD, KY, established in Aug. 12, 1963, midnight. As of 2025-12-31, the bank reported total assets of $40M and total deposits of $30M. Profitability stands at 0.04% ROA and 0.15% ROE, with a net interest margin of 3.86%. CET1 capital ratio: 39.31%, well above regulatory minimums. NPL ratio: 1.92% · Texas Ratio: 6.42%.

Assets
$40M
Deposits
$30M
Loans
$37M
Equity
$11M

Profitability

Return on Assets (ROA)0.04%
Return on Equity (ROE)0.15%
Net Interest Margin3.86%
Yield on Assets6.15%
Cost of Funds2.87%

Asset Quality

NPL Ratio1.92%
Net Charge-Off Ratio0.00%
Texas Ratio6.42%
NPA Ratio1.75%
ACL / Loans1.23%

Capital & Liquidity

CET1 Ratio39.31%
Tier 1 Capital39.31%
Total Capital Ratio40.57%
Leverage Ratio26.39%
Loan-to-Deposit123.90%

This is just the summary.

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