Bank Safety Analysis
Is First Federal Savings and Loan Association of Delta Safe? Delta, Ohio
Based on its Q2 2026 call report, First Federal Savings and Loan Association of Delta meets every capital ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of First Federal Savings and Loan Association of Delta and never asks for online banking logins or passwords.
Short answer: is First Federal Savings and Loan Association of Delta safe?
On its Q2 2026 call report, First Federal Savings and Loan Association of Delta's CET1 ratio is 39.65%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 39.65%
- Tier 1 leverage ratio (Q2 2026): 16.48%
- Texas ratio (Q2 2026): 0.00%
- Noncurrent loans ratio (Q2 2026): 0.00%
First Federal Savings and Loan Association of Delta is an FDIC-insured savings institution (FDIC Certificate #29345). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report First Federal Savings and Loan Association of Delta (FDIC Certificate #29345) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
First Federal Savings and Loan Association of Delta passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
CET1 ratio dropped 2.91 percentage points in Q2 2026, from 42.57% to 39.65%. It was the largest change from Q1 2026 among the key lines here. Among 84 Ohio banks, First Federal Savings and Loan Association of Delta sits 3rd from the top on CET1 ratio, 39.65% as of Q2 2026. First Federal Savings and Loan Association of Delta's CET1 ratio of 39.65% is well above the 15.08% median for banks in the $100M-1B asset tier, a gap of 24.57 points (Q2 2026). From Q3 2023 to Q2 2026, First Federal Savings and Loan Association of Delta's CET1 ratio ranged between 39.65% (Q2 2026) and 43.24% (Q3 2024) and its Texas ratio ranged between 0.00% (Q2 2026) and 0.91% (Q3 2023). Between Q2 2025 and Q2 2026, First Federal Savings and Loan Association of Delta's CET1 ratio fell from 41.23% to 39.65%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.15% to 0.00%, Texas ratio fell from 0.42% to 0.00% and return on assets fell from 1.05% to 1.03%.
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. 1-4 family residential loans are its largest loan category, $97.8M of $115.6M in total loans on its June 30, 2026 call report. Against the 2,757 banks with $100M to $1B in assets for Q2 2026, First Federal Savings and Loan Association of Delta's CET1 ratio of 39.65% is above the 15.08% median, Tier 1 leverage ratio of 16.48% is above the 10.95% median, nonperforming loans ratio of 0.00% is below the 0.41% median, Texas ratio of 0.00% is below the 2.65% median, and efficiency ratio of 66.90% is above the 61.41% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does First Federal Savings and Loan Association of Delta score on capital, credit and costs?
Peer cohort: $100M to $1B (2,660 banks) · Industry averages as of Q2 2026.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 15.08%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 0.41%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 2.65%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 61.41%.
Does First Federal Savings and Loan Association of Delta trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 39.65% | Within range |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 56.18% | Within range |
| Commercial real estate to capital supervisory threshold | 15.78% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 39.65% |
| Q1 2026 | 42.57% |
| Q4 2025 | 40.81% |
| Q3 2025 | 41.17% |
| Q2 2025 | 41.23% |
| Q1 2025 | 41.94% |
| Q4 2024 | 41.62% |
| Q3 2024 | 43.24% |
| Q2 2024 | 41.28% |
| Q1 2024 | 41.56% |
| Q4 2023 | 40.75% |
| Q3 2023 | 40.43% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.10% |
| Q2 2025 | 0.42% |
| Q1 2025 | 0.44% |
| Q4 2024 | 0.47% |
| Q3 2024 | 0.47% |
| Q2 2024 | 0.51% |
| Q1 2024 | 0.51% |
| Q4 2023 | 0.70% |
| Q3 2023 | 0.91% |
Loans by type, Q2 2026
- 1-4 family residential loans: $97.8M
- Construction and land development loans: $6.2M
- Owner-occupied commercial real estate loans: $5.8M
- Commercial and industrial loans: $3.7M
- Auto loans: $1.2M
- Other consumer loans: $461K
- Multifamily loans: $423K
- Agricultural production loans: $155K
How have First Federal Savings and Loan Association of Delta's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Jun 30, 2026 | $246.0M | 39.65% | 16.48% | 0.00% | 0.00% | 66.90% |
| Mar 31, 2026 | $247.3M | 42.57% | 16.54% | 0.00% | 0.00% | 65.43% |
| Dec 31, 2025 | $242.2M | 40.81% | 16.52% | 0.00% | 0.00% | 65.85% |
| Sep 30, 2025 | $238.3M | 41.17% | 16.56% | 0.04% | 0.10% | 69.67% |
| Jun 30, 2025 | $238.4M | 41.23% | 16.60% | 0.15% | 0.42% | 68.78% |
| Mar 31, 2025 | $232.3M | 41.94% | 16.68% | 0.16% | 0.44% | 71.27% |
| Dec 31, 2024 | $231.1M | 41.62% | 16.54% | 0.16% | 0.47% | 70.68% |
| Sep 30, 2024 | $226.4M | 43.24% | 16.47% | 0.17% | 0.47% | 69.07% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is First Federal Savings and Loan Association of Delta FDIC insured?
Yes. First Federal Savings and Loan Association of Delta is an FDIC-insured savings institution (FDIC Certificate #29345). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is First Federal Savings and Loan Association of Delta well capitalized?
On its Q2 2026 call report, First Federal Savings and Loan Association of Delta's CET1 ratio is 39.65%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are First Federal Savings and Loan Association of Delta's key safety ratios?
For Q2 2026, First Federal Savings and Loan Association of Delta reports CET1 39.65%, leverage 16.48%, Texas ratio 0.00%, noncurrent loans 0.00%. Its Texas ratio compares with the 2.65% median for the 2,757 banks with $100M to $1B in assets.
What happens to my deposits if First Federal Savings and Loan Association of Delta fails?
For Q2 2026, First Federal Savings and Loan Association of Delta reported $205.9M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
Add this badge to your website
Free to use. It shows First Federal Savings and Loan Association of Delta’s latest filed figures and updates each quarter.
Where does this data come from?
Not investment advice. See the full First Federal Savings and Loan Association of Delta profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (well-capitalized plus buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.