First Federal Savings and Loan Association of Delta
First Federal Savings and Loan Association of Delta is an FDIC-insured savings institution headquartered in Delta, OH, supervised by the OCC, with $246.0M in total assets at Q2 2026, up 3.2% from Q2 2025, the 91st largest of 154 banks headquartered in Ohio. It was established in 1934 and holds FDIC certificate 29345. Its CET1 capital ratio was 39.65% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29345
- Headquarters
- Delta, OH
- Established
- 1934
- Total assets, Q2 2026
- $246.0M
- Assets vs Q2 2025
- +3.2%
- CET1 ratio, Q2 2026
- 39.65%
- Domestic offices
- 6 · First Federal Savings and Loan Association of Delta branches FDIC institution directory, current count
- Routing number
- 241270903
- Safety and soundness
- Is First Federal Savings and Loan Association of Delta safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Savings and Loan Association of Delta Q3 2026 call report, filed October 29, 2026 (preliminary)
- Holding company
- FIRST FEDDELTA BANCSHARES, INC.
- Asset rank in state
- 91st of 154 in Ohio
First Federal Savings and Loan Association of Delta, based in Delta, Ohio, reported $246 million in assets at June 30, 2026, up 3.2% from a year earlier. It pays an average of 0.75% on its deposits and borrowings, about half the median of 1.80% for the 2,627 banks with $100 million to $1 billion in assets. It also holds common equity equal to 39.65% of its risk-weighted assets, 2.6 times the median of 15.11% for banks its size.
Loans are outrunning deposits: over the year loans rose 15.0% and deposits rose 2.1%. Profitability lags: it returns 6.7% a year on shareholders' equity, about half the median of 12.6% for banks its size.
As of June 30, 2026, First Federal Savings and Loan Association of Delta reported a CET1 capital ratio of 39.65%, a return on assets of 1.03%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
First Federal Savings and Loan Association of Delta ranks as the 91st largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.5% to $246.0M, loans rose 3.0% and deposits fell 1.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 84.5% of total loans, followed by construction and land development loans at 5.4%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in OH; its Whitehouse office books 26% of its branch deposits. Judged on its Q2 2026 call report, First Federal Savings and Loan Association of Delta meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 404 Main St, Delta, OH 43515
- County
- Fulton
- Metro Area
- Toledo, OH
- 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 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $205.9M
- Allowance for credit losses
- $691K
- Net charge-offs (YTD)
- $0
- Average total assets
- $250.8M
- Average total loans
- $114.4M
- Average interest-bearing deposits
- $185.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29345
- Fed RSSD
- 80374
- Website
- www.firstfeddelta.bank →
- Parent Holding Company
- FIRST FEDDELTA BANCSHARES, INC. (RSSD 4151928)
- Ultimate Parent
- FIRST FEDDELTA BANCSHARES, MHC (RSSD 4151919)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Federal Savings and Loan Association of Delta's total assets ran between $222.9M (Q3 2023) and $247.3M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$246.0M total assets against $238.4M; $206.8M total liabilities against $202.5M.
$115.0M net loans and leases against $99.9M; $205.9M total deposits against $201.7M.
$97.4M securities against $97.1M; $19.6M cash and balances due against $27.5M.
$2.6M total interest income against $2.4M; $391K total interest expense against $434K.
$2.2M net interest income against $2.0M.
$229K total noninterest income against $220K; $1.6M total noninterest expense against $1.5M.
$0 provision for credit losses against $0.
$645K net income against $616K.
1.03% return on assets against 1.05%; 3.71% net interest margin against 3.50%.
39.65% CET1 capital ratio against 41.23%; 16.48% tier 1 leverage ratio against 16.60%.
Inside the full First Federal Savings and Loan Association of Delta terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Federal Savings and Loan Association of Delta rankings
Its closest position to the top of a national ranking is 25 of 2,134, for CET1 ratio; its furthest is 3,509 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.82% (Q1 2025) to 1.08% (Q1 2026) and its net interest margin ran from 3.47% (Q3 2024) to 3.71% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 39.65% | 1.03% | 0.00% | 0.00% | 3.71% |
| Q1 2026 | 42.57% | 1.08% | 0.00% | 0.00% | 3.65% |
| Q4 2025 | 40.81% | 1.04% | 0.00% | 0.00% | 3.67% |
| Q3 2025 | 41.17% | 0.95% | 0.04% | 0.10% | 3.65% |
| Q2 2025 | 41.23% | 1.05% | 0.15% | 0.42% | 3.50% |
| Q1 2025 | 41.94% | 0.82% | 0.16% | 0.44% | 3.47% |
| Q4 2024 | 41.62% | 0.87% | 0.16% | 0.47% | 3.49% |
| Q3 2024 | 43.24% | 0.90% | 0.17% | 0.47% | 3.47% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Providence Branch | Whitehouse , OH | 43571 | $53.0M |
| 107 East Airport Branch | Swanton , OH | 43558 | $43.2M |
| First Federal Savings and Loan Association | Delta , OH | 43515 | $41.6M |
| First Fs&La - Holland Branch | Holland , OH | 43528 | $29.9M |
| 30 South Third St Branch | Waterville , OH | 43566 | $23.9M |
| Holland-Sylvania Branch | Toledo , OH | 43615 | $14.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 107 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 59 applications, 48 loans originated, $12.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, 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 First Federal Savings and Loan Association of Delta
What are First Federal Savings and Loan Association of Delta's total assets?
As of the Q2 2026 filing, First Federal Savings and Loan Association of Delta reported total assets of $246.0 million in its FFIEC call report.
Where is First Federal Savings and Loan Association of Delta headquartered?
It is headquartered in Delta, OH, United States.
When was First Federal Savings and Loan Association of Delta founded?
It was established in 1934, per the FDIC institution directory.
Is First Federal Savings and Loan Association of Delta FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29345). 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 of Delta?
First Federal Savings and Loan Association of Delta's primary federal regulator is the OCC.
What is First Federal Savings and Loan Association of Delta's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 39.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Federal Savings and Loan Association of Delta operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Savings and Loan Association of Delta's Texas Ratio?
Its Texas Ratio is 0.00% 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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