FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION

RAVENSWOOD, WV | Micro | Est. Jan. 1, 1934, midnight | FDIC #29490 | RSSD #441470 | OCC
Latest Report: 2025-12-31

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION is amn micro FDIC-insured commercial bank headquartered in RAVENSWOOD, WV, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $27M and total deposits of $24M. Profitability stands at 0.27% ROA and 2.65% ROE, with a net interest margin of 2.41%. The bank's CET1 capital ratio is 22.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.50% and a Texas Ratio of 3.59%. FDIC Certificate #29490.

Assets

$27M

Deposits

$24M

Loans

$20M

Equity

$3M

Profitability

Return on Assets (ROA) 0.27%
Return on Equity (ROE) 2.65%
Net Interest Margin (NIM) 2.41%
Yield on Assets 5.69%
Cost of Funds 3.32%

Asset Quality

NPL Ratio 0.50%
Net Charge-Off Ratio --
Texas Ratio 3.59%
NPA Ratio 0.38%
ACL / Loans 0.56%

Capital & Liquidity

CET1 Ratio 22.51%
Tier 1 Capital 22.51%
Total Capital Ratio 23.45%
Leverage Ratio 10.22%
Loan-to-Deposit 83.84%

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