First Federal Savings and Loan Association of Greensburg
First Federal Savings and Loan Association of Greensburg is an FDIC-insured savings institution headquartered in Greensburg, IN, supervised by the OCC, with $159.5M in total assets at Q2 2026, up 5.0% from Q2 2025, the 76th largest of 87 banks headquartered in Indiana. It was established in 1883 and holds FDIC certificate 30058. Its CET1 capital ratio was 23.71% 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
- 30058
- Headquarters
- Greensburg, IN
- Established
- 1883
- Total assets, Q2 2026
- $159.5M
- Assets vs Q2 2025
- +5.0%
- CET1 ratio, Q2 2026
- 23.71%
- Domestic offices
- 3 · First Federal Savings and Loan Association of Greensburg branches FDIC institution directory, current count
- Routing number
- 274970351
- Safety and soundness
- Is First Federal Savings and Loan Association of Greensburg safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Savings and Loan Association of Greensburg Q3 2026 call report, filed October 26, 2026 (preliminary)
- Asset rank in state
- 76th of 87 in Indiana
First Federal Savings and Loan Association of Greensburg, based in Greensburg, Indiana, reported $159 million in assets at June 30, 2026, up 5.0% from a year earlier. It keeps 2.75 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also earns about $0.48 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
Earnings jumped: net income for the quarter was $199,000, 67% above the same quarter a year earlier. Over the same year, loans grew 0.0% and deposits grew 4.5%. Costs are the weak spot: it spends about 78 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, First Federal Savings and Loan Association of Greensburg reported a CET1 capital ratio of 23.71%, a return on assets of 0.48%, a nonperforming-loan ratio of 1.18% and a Texas ratio of 5.43%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, First Federal Savings and Loan Association of Greensburg is the 76th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 9.2% to $159.5M, loans rose 1.5% and deposits rose 10.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 79.1% of total loans, ahead of farmland and other real estate loans at 6.5%. Its 3 offices in the FDIC Summary of Deposits are in Greensburg, IN and Shelbyville, IN; its Greensburg 2 offices book 68% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Federal Savings and Loan Association of Greensburg meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 212 N Franklin St, Greensburg, IN 47240
- County
- Decatur
- Metro Area
- Greensburg, IN
- 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 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1883
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $141.4M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $166.3M
- Average total loans
- $87.9M
- Average interest-bearing deposits
- $130.5M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30058
- Fed RSSD
- 921879
- Website
- www.ffsg.net →
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
From Q3 2023 to Q2 2026, First Federal Savings and Loan Association of Greensburg's total assets ranged from $146.0M (Q3 2025) to $178.9M (Q4 2023), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$159.5M total assets against $151.9M; $141.6M total liabilities against $135.5M.
$86.8M net loans and leases against $86.8M; $141.4M total deposits against $135.2M.
$41.4M securities against $45.4M; $21.1M cash and balances due against $9.7M.
$1.6M total interest income against $1.5M; $521K total interest expense against $545K.
$1.0M net interest income against $962K.
$110K total noninterest income against $58K; $913K total noninterest expense against $883K.
$0 provision for credit losses against $0.
$199K net income against $119K.
0.48% return on assets against 0.29%; 2.75% net interest margin against 2.60%.
23.71% CET1 capital ratio against 22.84%; 12.33% tier 1 leverage ratio against 12.21%.
Inside the full First Federal Savings and Loan Association of Greensburg terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Federal Savings and Loan Association of Greensburg rankings
Its closest position to the top of a national ranking is 192 of 2,134, for CET1 ratio; its furthest is 3,264 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.17% (Q1 2025) to 0.54% (Q3 2025) and its net interest margin ran from 2.08% (Q3 2024) to 2.85% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.71% | 0.48% | 1.18% | 5.43% | 2.75% |
| Q1 2026 | 24.30% | 0.44% | 1.13% | 5.23% | 2.85% |
| Q4 2025 | 23.77% | 0.52% | 1.07% | 4.86% | 2.79% |
| Q3 2025 | 23.87% | 0.54% | 1.11% | 5.22% | 2.72% |
| Q2 2025 | 22.84% | 0.29% | 1.32% | 6.56% | 2.60% |
| Q1 2025 | 23.42% | 0.17% | 0.90% | 4.57% | 2.41% |
| Q4 2024 | 22.32% | 0.44% | 1.28% | 6.64% | 2.42% |
| Q3 2024 | 22.41% | 0.34% | 1.48% | 7.31% | 2.08% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Greensburg (main office) | Greensburg , IN | 47240 | $79.3M |
| Shelbyville Branch | Shelbyville , IN | 46176 | $44.7M |
| Greensburg Retail Sales Office | Greensburg , IN | 47240 | $17.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1997 | Structure Change | Acquired The Greensburg Savings and Loan Association, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC, OCC (former OTS))
- July 28, 2014, OCC: Formal Agreement: First FS & LA of Greensburg
- July 25, 2005, OCC (former OTS): Civil Money Penalty: First FS&LA of Greensburg
- Period: Most recent institution action July 28, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IN, rank 101 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 38 applications, 34 loans originated, $5.8M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- 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 Greensburg
What are First Federal Savings and Loan Association of Greensburg's total assets?
As of the Q2 2026 filing, First Federal Savings and Loan Association of Greensburg reported total assets of $159.5 million in its FFIEC call report.
Where is First Federal Savings and Loan Association of Greensburg headquartered?
It is headquartered in Greensburg, IN, United States.
When was First Federal Savings and Loan Association of Greensburg founded?
It was established in 1883, per the FDIC institution directory.
Is First Federal Savings and Loan Association of Greensburg FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #30058). 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 Greensburg?
First Federal Savings and Loan Association of Greensburg's primary federal regulator is the OCC.
What is First Federal Savings and Loan Association of Greensburg's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.71% 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 Greensburg operate?
It operates 3 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 Greensburg's Texas Ratio?
Its Texas Ratio is 5.43% 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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