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: 4.24 percentage points higher than in Q1 2026, at 79.27%. Within Kentucky, First Federal Savings and Loan Association is 82nd of 119 on return on assets, 1.07% as of Q2 2026, below the middle of the field. First Federal Savings and Loan Association reported 1.07% on return on assets for Q2 2026, 0.09 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 21.58% |
| Equity capital to assets | 22.39% |
| Tangible equity to tangible assets | 22.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.57% |
| Non-performing assets ratio | 1.42% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.63% |
| Allowance for credit losses to loans | 0.72% |
| Reserve coverage of non-performing loans | 46.05% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.07% |
| Return on equity | 4.99% |
| Net interest margin | 3.38% |
| Efficiency ratio | 55.95% |
| Yield on earning assets | 5.45% |
| Cost of funds | 2.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 130.08% |
| Core deposits to total deposits | 79.27% |
| Brokered deposits to total deposits | 13.41% |
| Deposits to assets | 69.64% |
| Securities to assets | 2.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 20.50% | 0.10% | 1.75% | 1.59% | 0.00% |
| Q4 2023 | 20.67% | -0.07% | 1.63% | 1.56% | 0.00% |
| Q1 2024 | 20.43% | -0.02% | 1.70% | 1.54% | 0.00% |
| Q2 2024 | 20.44% | -0.18% | 1.65% | 1.32% | 0.08% |
| Q3 2024 | 20.47% | 0.23% | 1.90% | 1.17% | 0.00% |
| Q4 2024 | 20.77% | 0.23% | 2.06% | 1.73% | 0.00% |
| Q1 2025 | 20.49% | 0.12% | 2.24% | 2.34% | 0.00% |
| Q2 2025 | 20.74% | 0.24% | 2.30% | 2.08% | 0.00% |
| Q3 2025 | 21.41% | 0.33% | 2.51% | 2.08% | 0.00% |
| Q4 2025 | 21.44% | 0.33% | 2.72% | 1.51% | 0.00% |
| Q1 2026 | 21.17% | 0.82% | 3.10% | 1.50% | 0.00% |
| Q2 2026 | 21.58% | 1.07% | 3.38% | 1.57% | 0.00% |
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 31197) · FFIEC NIC profile (RSSD 831875)