First Federal Savings and Loan Association of McMinnville
First Federal Savings and Loan Association of McMinnville is an FDIC-insured savings and loan association headquartered in McMinnville, OR, supervised by the OCC, with $678.7M in total assets at Q2 2026, up 2.9% from Q2 2025, the 8th largest of 12 banks headquartered in Oregon. It was established in 1922 and holds FDIC certificate 29624. Its CET1 capital ratio was 20.86% 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 and loan association
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29624
- Headquarters
- McMinnville, OR
- Established
- 1922
- Total assets, Q2 2026
- $678.7M
- Assets vs Q2 2025
- +2.9%
- CET1 ratio, Q2 2026
- 20.86%
- Domestic offices
- 6 · First Federal Savings and Loan Association of McMinnville branches FDIC institution directory, current count
- Routing number
- 323270313
- Safety and soundness
- Is First Federal Savings and Loan Association of McMinnville safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Savings and Loan Association of McMinnville Q3 2026 call report, filed October 28, 2026 (preliminary)
- Asset rank in state
- 8th of 12 in Oregon
First Federal Savings and Loan Association of McMinnville, based in Mcminnville, Oregon, reported $679 million in assets at June 30, 2026, up 2.9% from a year earlier. It keeps 3.11 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also earns about $0.53 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 $903,000, 56% above the same quarter a year earlier. Costs are the weak spot: it spends about 74 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 McMinnville reported a CET1 capital ratio of 20.86%, a return on assets of 0.53%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.21%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Federal Savings and Loan Association of McMinnville is the 8th largest of the 12 banks headquartered in Oregon. Quarter on quarter (Q1 2026 to Q2 2026), its total assets were flat, loans rose 3.8% and deposits fell 0.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 56.6% of total loans, followed by owner-occupied commercial real estate loans at 13.3%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in OR; its Mcminnville 2 offices book 52% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Federal Savings and Loan Association of McMinnville meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 118 Ne 3rd St, McMinnville, OR 97128
- County
- Yamhill
- Metro Area
- Portland-Vancouver-Hillsboro, OR-WA
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- —
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1922
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $578.1M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $687.3M
- Average total loans
- $416.6M
- Average interest-bearing deposits
- $497.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29624
- Fed RSSD
- 90579
- Website
- www.firstfedweb.com →
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 McMinnville's total assets ranged from $624.4M (Q3 2023) to $679.0M (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
$678.7M total assets against $659.5M; $604.5M total liabilities against $590.4M.
$421.9M net loans and leases against $408.1M; $578.1M total deposits against $565.3M.
$173.7M securities against $152.4M; $44.9M cash and balances due against $61.5M.
$7.2M total interest income against $6.6M; $2.1M total interest expense against $2.3M.
$5.1M net interest income against $4.3M.
$558K total noninterest income against $542K; $4.2M total noninterest expense against $4.0M.
$220K provision for credit losses against $100K.
$903K net income against $578K.
0.53% return on assets against 0.34%; 3.11% net interest margin against 2.71%.
20.86% CET1 capital ratio against 20.87%; 11.90% tier 1 leverage ratio against 11.66%.
Inside the full First Federal Savings and Loan Association of McMinnville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Federal Savings and Loan Association of McMinnville rankings
Its closest position to the top of a national ranking is 293 of 2,134, for CET1 ratio; its furthest is 3,219 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.24% (Q1 2025) to 0.53% (Q2 2026) and its net interest margin ran from 2.54% (Q3 2024) to 3.11% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.86% | 0.53% | 0.04% | 0.21% | 3.11% |
| Q1 2026 | 21.12% | 0.44% | 0.00% | 0.00% | 2.92% |
| Q4 2025 | 21.67% | 0.44% | 0.00% | 0.00% | 2.92% |
| Q3 2025 | 21.28% | 0.34% | 0.18% | 0.96% | 2.87% |
| Q2 2025 | 20.87% | 0.34% | 0.17% | 0.94% | 2.71% |
| Q1 2025 | 20.86% | 0.24% | 0.03% | 0.17% | 2.54% |
| Q4 2024 | 20.74% | 0.34% | 0.00% | 0.00% | 2.54% |
| Q3 2024 | 20.42% | 0.30% | 0.00% | 0.00% | 2.54% |
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 |
|---|---|---|---|
| First Federal Savings and Loan Association of McMinnville (main office) | Mcminnville , OR | 97128 | $221.3M |
| Newberg Branch | Newberg , OR | 97132 | $116.9M |
| Mcdaniel Branch | Mcminnville , OR | 97128 | $79.7M |
| Sheridan Branch | Sheridan , OR | 97378 | $65.8M |
| Carlton Branch | Carlton , OR | 97111 | $50.4M |
| Amity Branch | Amity , OR | 97101 | $43.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- November 16, 2011, OCC: Formal Agreement: First FS & LA of McMinnville
- Period: Most recent institution action November 16, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in OR, rank 18 of 33 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- 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 McMinnville
What are First Federal Savings and Loan Association of McMinnville's total assets?
As of the Q2 2026 filing, First Federal Savings and Loan Association of McMinnville reported total assets of $678.7 million in its FFIEC call report.
Where is First Federal Savings and Loan Association of McMinnville headquartered?
It is headquartered in McMinnville, OR, United States.
When was First Federal Savings and Loan Association of McMinnville founded?
It was established in 1922, per the FDIC institution directory.
Is First Federal Savings and Loan Association of McMinnville FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #29624). 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 McMinnville?
First Federal Savings and Loan Association of McMinnville's primary federal regulator is the OCC.
What is First Federal Savings and Loan Association of McMinnville's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.86% 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 McMinnville 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 McMinnville's Texas Ratio?
Its Texas Ratio is 0.21% 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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