First Federal Savings and Loan Association of Greene County
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Data as of · sourced from FFIEC call reports. How we update
First Federal Savings and Loan Association of Greene County is an FDIC-insured savings institution headquartered in Waynesburg, PA, supervised by the OCC, with $1.03B in total assets at Q2 2026, up 1.8% from Q2 2025, the 44th largest of 109 banks headquartered in Pennsylvania. It was established in 1924 and holds FDIC certificate 28706. Its CET1 capital ratio was 31.68% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28706
- Headquarters
- Waynesburg, PA
- Established
- 1924
- Total assets, Q2 2026
- $1.03B
- Assets vs Q2 2025
- +1.8%
- CET1 ratio, Q2 2026
- 31.68%
- Domestic offices
- 7 · First Federal Savings and Loan Association of Greene County branches FDIC institution directory, current count
- Routing number
- 243374234
- Safety and soundness
- Is First Federal Savings and Loan Association of Greene County safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Savings and Loan Association of Greene County Q3 2026 call report, filed October 20, 2026 (preliminary)
- Asset rank in state
- 44th of 109 in Pennsylvania
First Federal Savings and Loan Association of Greene County spends more to run itself than most banks of its size. The Waynesburg, Pennsylvania bank had $1.0 billion in assets at June 30, 2026, up 1.8% from a year earlier. It earns about $0.49 a year on every $100 of assets, about a third the median of $1.29 for the 880 banks with $1 billion to $10 billion in assets. It also spends about 79 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $1.3 million, 41% above the same quarter a year earlier. Over the same year, loans grew 7.1% and deposits grew 1.7%. Its margin is thin by comparison: it keeps 2.86 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
As of June 30, 2026, First Federal Savings and Loan Association of Greene County reported a CET1 capital ratio of 31.68%, a return on assets of 0.49%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 2.64%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, First Federal Savings and Loan Association of Greene County is the 44th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.7% to $1.03B, loans rose 2.8% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 94.1% of total loans, ahead of construction and land development loans at 3.1%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities in PA; its Waynesburg office books 43% of its branch deposits. On its Q2 2026 call report, First Federal Savings and Loan Association of Greene County meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 25 E High St, Waynesburg, PA 15370
- County
- Greene
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1924
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 131
- Domestic deposits
- $871.8M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.05B
- Average total loans
- $715.6M
- Average interest-bearing deposits
- $825.6M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28706
- Fed RSSD
- 624778
- Website
- www.ffgc.bank →
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. 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
First Federal Savings and Loan Association of Greene County's total assets moved between a low of $1.00B (Q3 2025) and a high of $1.05B (Q1 2024) from Q3 2023 to Q2 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
$1.03B total assets against $1.01B; $877.2M total liabilities against $862.9M.
$724.7M net loans and leases against $677.2M; $871.8M total deposits against $857.4M.
$166.8M securities against $185.6M; $88.8M cash and balances due against $99.6M.
$10.4M total interest income against $9.8M; $3.4M total interest expense against $3.5M.
$7.1M net interest income against $6.3M.
$558K total noninterest income against $505K; $6.0M total noninterest expense against $5.9M.
$149K provision for credit losses against $44K.
$1.3M net income against $915K.
0.49% return on assets against 0.36%; 2.86% net interest margin against 2.65%.
31.68% CET1 capital ratio against 33.04%; 15.37% tier 1 leverage ratio against 15.38%.
Inside the full First Federal Savings and Loan Association of Greene County terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Federal Savings and Loan Association of Greene County rankings
Its closest position to the top of a national ranking is 65 of 2,134, for CET1 ratio; its furthest is 3,251 of 3,611, for ROA.
Metric pages for First Federal Savings and Loan Association of Greene County: CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.03% (Q3 2024) to 0.49% (Q2 2026) and its net interest margin ran from 2.16% (Q3 2024) to 2.86% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.68% | 0.49% | 0.54% | 2.64% | 2.86% |
| Q1 2026 | 31.84% | 0.47% | 0.62% | 3.02% | 2.70% |
| Q4 2025 | 32.09% | 0.23% | 0.69% | 3.35% | 2.69% |
| Q3 2025 | 32.45% | 0.29% | 0.63% | 2.88% | 2.72% |
| Q2 2025 | 33.04% | 0.36% | 0.54% | 2.42% | 2.65% |
| Q1 2025 | 33.32% | 0.30% | 0.47% | 2.13% | 2.47% |
| Q4 2024 | 33.12% | 0.06% | 0.53% | 2.43% | 2.21% |
| Q3 2024 | 33.28% | 0.03% | 0.59% | 2.56% | 2.16% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| First Federal Savings and Loan Association of Greene Co | Waynesburg , PA | 15370 | $373.3M |
| Main Street and Beeson Blvd. Branch | Uniontown , PA | 15401 | $267.0M |
| 101 W. George St. Branch | Carmichaels , PA | 15320 | $74.4M |
| 460 Washington Road Branch | Washington , PA | 15301 | $74.3M |
| Taylorstown Office | Washington , PA | 15301 | $49.4M |
| Mount Morris Branch | Mount Morris , PA | 15349 | $29.9M |
| First Fsla of Greene County Branch | Fairchance , PA | 15436 | $3.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in PA, rank 59 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Greene County
What are First Federal Savings and Loan Association of Greene County's total assets?
As of the Q2 2026 filing, First Federal Savings and Loan Association of Greene County reported total assets of $1.03 billion in its FFIEC call report.
Where is First Federal Savings and Loan Association of Greene County headquartered?
It is headquartered in Waynesburg, PA, United States.
When was First Federal Savings and Loan Association of Greene County founded?
It was established in 1924, per the FDIC institution directory.
Is First Federal Savings and Loan Association of Greene County FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #28706). 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 Greene County?
First Federal Savings and Loan Association of Greene County's primary federal regulator is the OCC.
What is First Federal Savings and Loan Association of Greene County's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 31.68% 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 Greene County operate?
It operates 7 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 Greene County's Texas Ratio?
Its Texas Ratio is 2.64% 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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