Bank Comparison
First Federal Savings and Loan Association vs New Foundation Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 4
winning metrics across 17 comparable rows
Capital adequacy
| Metric | First Federal Savings and Loan Association | New Foundation Savings Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 22.26% | 14.89% |
| Equity / Assets | 21.80% | 15.27% |
Profitability
| Metric | First Federal Savings and Loan Association | New Foundation Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.00% | -1.19% |
| Return on Equity (ROE) | 0.00% | -7.84% |
| Net Interest Margin (NIM) | 2.47% | 3.21% |
| Yield on Earning Assets | 4.41% | 5.01% |
| Cost of Funds | 2.34% | 2.09% |
Asset quality
| Metric | First Federal Savings and Loan Association | New Foundation Savings Bank |
|---|---|---|
| Texas Ratio | 0.00% | 2.46% |
| Non-Performing Loan Ratio | 0.00% | 0.49% |
| Non-Performing Asset Ratio | 0.00% | 0.39% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.04% | 0.62% |
Balance sheet
| Metric | First Federal Savings and Loan Association | New Foundation Savings Bank |
|---|---|---|
| Total Assets | $22,969K | $17,526K |
| Total Deposits | $17,218K | $14,138K |
| Total Loans | $13,939K | $13,788K |
| Total Equity | $5,008K | $2,676K |
| Net Income (quarter) | $0 | $-53 |
Liquidity & funding
| Metric | First Federal Savings and Loan Association | New Foundation Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 80.96% | 97.52% |
| Core Deposit Ratio | 90.69% | 95.52% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Federal Savings and Loan Association | New Foundation Savings Bank |
|---|---|---|
| Headquarters City | Centerburg | Cincinnati |
| Headquarters State | OH | OH |
| Asset Tier | 6: < $100M | 6: < $100M |
| Charter Class | 702753 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 4 | 4 |
| Established | June 1, 1934, midnight | Oct. 28, 1891, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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