First Federal Savings and Loan Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Core deposits to total deposits: 5.36 percentage points lower than in Q1 2026, at 83.05%. First Federal Savings and Loan Association has the 10th lowest return on assets of the 119 banks headquartered in Kentucky, at 0.46% as of Q2 2026. Against a median of 0.98% for banks in the < $100M asset tier, First Federal Savings and Loan Association reported 0.46% on return on assets in Q2 2026, 0.53 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 40.77% |
| Tier 1 risk-based capital ratio | 40.77% |
| Total risk-based capital ratio | 42.02% |
| Tier 1 leverage ratio | 25.61% |
| Equity capital to assets | 25.55% |
| Tangible equity to tangible assets | 25.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.20% |
| Non-performing assets ratio | 2.86% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 14.55% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 38.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.46% |
| Return on equity | 1.78% |
| Net interest margin | 3.97% |
| Efficiency ratio | 84.56% |
| Yield on earning assets | 6.08% |
| Cost of funds | 2.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 121.63% |
| Core deposits to total deposits | 83.05% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 73.38% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 42.08% | 42.08% | 43.34% | 28.16% | 0.03% |
| Q4 2023 | 40.78% | 40.78% | 42.04% | 26.84% | 0.18% |
| Q1 2024 | 39.79% | 39.79% | 41.05% | 26.62% | 0.12% |
| Q2 2024 | 38.88% | 38.88% | 40.14% | 26.39% | 0.42% |
| Q3 2024 | 39.97% | 39.97% | 41.22% | 25.98% | 0.22% |
| Q4 2024 | 38.89% | 38.89% | 40.14% | 25.75% | 0.16% |
| Q1 2025 | 39.27% | 39.27% | 40.52% | 25.87% | 0.26% |
| Q2 2025 | 39.65% | 39.65% | 40.90% | 26.11% | 0.40% |
| Q3 2025 | 38.81% | 38.81% | 40.06% | 25.78% | 0.24% |
| Q4 2025 | 39.31% | 39.31% | 40.57% | 26.39% | 0.04% |
| Q1 2026 | 38.68% | 38.68% | 39.93% | 25.97% | 0.62% |
| Q2 2026 | 40.77% | 40.77% | 42.02% | 25.61% | 0.46% |
First Federal Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings and Loan Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31409) · FFIEC NIC profile (RSSD 411174)