BanksFIRST FEDERAL SAVINGS AND LOAN ASSOCIATION

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION

RAVENSWOOD, WVMicroEst. Jan. 1, 1934, midnightFDIC #29490RSSD #441470OCC
Latest · 2025-12-31

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION is an 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%. CET1 capital ratio: 22.51%, well above regulatory minimums. NPL ratio: 0.50% · Texas Ratio: 3.59%. Operates 1 domestic branch.

Assets
$27M
Deposits
$24M
Loans
$20M
Equity
$3M

Profitability

Return on Assets (ROA)0.27%
Return on Equity (ROE)2.65%
Net Interest Margin2.41%
Yield on Assets5.69%
Cost of Funds3.38%

Asset Quality

NPL Ratio0.50%
Net Charge-Off Ratio0.00%
Texas Ratio3.59%
NPA Ratio0.38%
ACL / Loans0.56%

Capital & Liquidity

CET1 Ratio22.51%
Tier 1 Capital22.51%
Total Capital Ratio23.45%
Leverage Ratio10.22%
Loan-to-Deposit83.84%

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