Dearborn Federal Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Dearborn Federal Savings Bank is an FDIC-insured savings institution headquartered in Dearborn, MI, established in 1936 (FDIC certificate 29874), and it is supervised by the OCC. At Q2 2026 it reported total assets of $306.6M, up 10.5% from Q2 2025, the 49th largest of 72 banks headquartered in Michigan. It reports no CET1 ratio; its Tier 1 leverage ratio was 25.86% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29874
- Headquarters
- Dearborn, MI
- Established
- 1936
- Total assets, Q2 2026
- $306.6M
- Assets vs Q2 2025
- +10.5%
- Tier 1 leverage ratio, Q2 2026
- 25.86%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 272471182
- Latest call report
- Q2 2026, FFIEC 051 · Dearborn Federal Savings Bank call report
- Asset rank in state
- 49th of 72 in Michigan
Problem loans are rising at Dearborn Federal Savings Bank. The Dearborn, Michigan bank had $307 million in assets at June 30, 2026, up 10.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.64% of loans from 0.00% a year earlier. It earns about $0.00 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 100 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans fell 1.6% and deposits rose 15.1%. Its margin is thin by comparison: it keeps 2.67 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Dearborn Federal Savings Bank reported a return on assets of 0.00%, a nonperforming-loan ratio of 0.64% and a Texas ratio of 1.61%. The figures come from its call report filed with the FFIEC.
Dearborn Federal Savings Bank ranks as the 49th largest of the 72 banks based in Michigan, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.7% to $306.6M, loans rose 0.3% and deposits rose 4.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 94.7% of total loans, ahead of owner-occupied commercial real estate loans at 3.0%. Its 5 offices in the FDIC Summary of Deposits are in Dearborn, MI and Dearborn Heights, MI; its Dearborn 3 offices book 79% of its branch deposits. Judged on its Q2 2026 call report, Dearborn Federal Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 22315 Michigan Ave, Dearborn, MI 48124
- County
- Wayne
- Metro Area
- Detroit-Warren-Dearborn, MI
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1936
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $198.2M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $299.0M
- Average total loans
- $198.8M
- Average interest-bearing deposits
- $169.5M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29874
- Fed RSSD
- 1005075
- Website
- www.mydfsb.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Dearborn Federal Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Dearborn Federal Savings Bank's total assets ranged from $266.7M (Q3 2024) to $306.6M (Q2 2026), and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$306.6M total assets against $277.6M; $229.5M total liabilities against $200.0M.
$196.9M net loans and leases against $200.2M; $198.2M total deposits against $172.2M.
$67.9M securities against $39.3M; $32.2M cash and balances due against $28.9M.
$2.9M total interest income against $2.6M; $992K total interest expense against $801K.
$2.0M net interest income against $1.8M.
$39K total noninterest income against $16K; $2.0M total noninterest expense against $2.9M.
$0 provision for credit losses against $0.
$1K net income against -$838K.
0.00% return on assets against -1.21%; 2.67% net interest margin against 2.73%.
25.86% tier 1 leverage ratio against 27.96%.
Inside the full Dearborn Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Dearborn Federal Savings Bank rankings
Its closest position to the top of a national ranking is 2,423 of 4,196, for total assets; its furthest is 3,551 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.21% (Q2 2025) to 0.16% (Q4 2024) and its net interest margin ran from 2.52% (Q3 2024) to 2.86% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.86% | 0.00% | 0.64% | 1.61% | 2.67% |
| Q1 2026 | 26.28% | 0.14% | 0.57% | 1.44% | 2.86% |
| Q4 2025 | 26.60% | -0.48% | 0.61% | 1.57% | 2.68% |
| Q3 2025 | 27.26% | -0.07% | 0.00% | 0.00% | 2.67% |
| Q2 2025 | 27.96% | -1.21% | 0.00% | 0.00% | 2.73% |
| Q1 2025 | 28.51% | -0.26% | 0.00% | 0.00% | 2.60% |
| Q4 2024 | 28.86% | 0.16% | 0.00% | 0.00% | 2.58% |
| Q3 2024 | 29.07% | 0.09% | 0.00% | 0.00% | 2.52% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dearborn Federal Savings Bank (main office) | Dearborn , MI | 48124 | $103.0M |
| 22180 West Outer Drive Branch | Dearborn , MI | 48124 | $29.3M |
| 14615 Ford Rd Branch | Dearborn , MI | 48126 | $24.2M |
| 27115 West Warren Branch | Dearborn Heights , MI | 48127 | $24.0M |
| 4111 South Telegraph Branch | Dearborn Heights , MI | 48125 | $17.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- January 16, 2025, OCC: Formal Agreement: Dearborn FSB
- Period: Most recent institution action January 16, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MI, rank 70 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Dearborn Federal Savings Bank
What are Dearborn Federal Savings Bank's total assets?
As of the Q2 2026 filing, Dearborn Federal Savings Bank reported total assets of $306.6 million in its FFIEC call report.
Where is Dearborn Federal Savings Bank headquartered?
It is headquartered in Dearborn, MI, United States.
When was Dearborn Federal Savings Bank founded?
It was established in 1936, per the FDIC institution directory.
Is Dearborn Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29874). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dearborn Federal Savings Bank?
Dearborn Federal Savings Bank's primary federal regulator is the OCC.
How many branches does Dearborn Federal Savings Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dearborn Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 1.61% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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