First Federal Savings and Loan Association
First Federal Savings and Loan Association is a small community bank chartered in 1934, based in Ravenswood, WV. As of Q1 2026, the bank held approximately $27M in total assets and $24M in deposits. Returns are subdued: 0.24% ROA and 2.34% ROE. Regulatory capital is solid — 22.89% CET1 and 23.83% total risk-based capital ratio. Credit metrics are in line with industry norms — 0.51% NPL ratio. The bank operates from a single office.
Headquarters Profile
- Address
- 712 Washington St, RAVENSWOOD, WV 26164
- County
- Jackson
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- Fed District
- 5
- Established
- January 1, 1934
- Branches
- 1 domestic
- Employees (FTE)
- 4
- FDIC Cert
- 29490
- Fed RSSD
- 441470
Capital & Liquidity
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First Federal Savings and Loan Association rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about First Federal Savings and Loan Association
What are First Federal Savings and Loan Association's total assets?
As of the Q1 2026 filing, First Federal Savings and Loan Association reported total assets of $27.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Federal Savings and Loan Association headquartered?
First Federal Savings and Loan Association is headquartered in RAVENSWOOD, WV, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Federal Savings and Loan Association founded?
First Federal Savings and Loan Association was established in 1934, per the FDIC institution directory.
Is First Federal Savings and Loan Association FDIC-insured?
Yes. First Federal Savings and Loan Association is an FDIC-insured commercial bank (FDIC Certificate #29490). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Savings and Loan Association?
First Federal Savings and Loan Association's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Federal Savings and Loan Association's CET1 capital ratio?
First Federal Savings and Loan Association reported a Common Equity Tier 1 (CET1) capital ratio of 22.89% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First Federal Savings and Loan Association operate?
First Federal Savings and Loan Association operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is First Federal Savings and Loan Association's Texas Ratio?
First Federal Savings and Loan Association's Texas Ratio is 7.60% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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