Banks FIRST FEDERAL SAVINGS OF MIDDLETOWN

FIRST FEDERAL SAVINGS OF MIDDLETOWN

MIDDLETOWN, NY Small Est. Jan. 1, 1888, midnight FDIC #28712 RSSD #565170 OCC
Latest · 2025-12-31

FIRST FEDERAL SAVINGS OF MIDDLETOWN is an FDIC-insured commercial bank headquartered in MIDDLETOWN, NY, established in Jan. 1, 1888, midnight. As of 2025-12-31, the bank reported total assets of $182M and total deposits of $108M. Profitability stands at 0.90% ROA and 2.44% ROE, with a net interest margin of 5.37%. CET1 capital ratio: 36.79%, well above regulatory minimums. NPL ratio: 0.23% · Texas Ratio: 0.51%.

Assets
$182M
Deposits
$108M
Loans
$154M
Equity
$67M

Profitability

Return on Assets (ROA)0.90%
Return on Equity (ROE)2.44%
Net Interest Margin5.37%
Yield on Assets6.69%
Cost of Funds2.04%

Asset Quality

NPL Ratio0.23%
Net Charge-Off Ratio0.25%
Texas Ratio0.51%
NPA Ratio0.19%
ACL / Loans1.07%

Capital & Liquidity

CET1 Ratio36.79%
Tier 1 Capital36.79%
Total Capital Ratio38.63%
Leverage Ratio36.98%
Loan-to-Deposit142.30%

This is just the summary.

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