First Federal Savings and Loan Association of Newark
First Federal Savings and Loan Association of Newark is an FDIC-insured savings institution headquartered in Newark, OH, supervised by the OCC, with $293.5M in total assets at Q2 2026, up 0.3% from Q2 2025, the 75th largest of 154 banks headquartered in Ohio. It was established in 1934 and holds FDIC certificate 29090. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.18% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
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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
- 29090
- Headquarters
- Newark, OH
- Established
- 1934
- Total assets, Q2 2026
- $293.5M
- Assets vs Q2 2025
- +0.3%
- Tier 1 leverage ratio, Q2 2026
- 14.18%
- Domestic offices
- 6 · First Federal Savings and Loan Association of Newark branches FDIC institution directory, current count
- Routing number
- 244171575
- Safety and soundness
- Is First Federal Savings and Loan Association of Newark safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Savings and Loan Association of Newark Q3 2026 call report, filed October 28, 2026 (preliminary)
- Asset rank in state
- 75th of 154 in Ohio
Problem loans are rising at First Federal Savings and Loan Association of Newark. Based in Newark, Ohio, it had $294 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.28% of loans from 0.77% a year earlier. It returns 4.0% a year on shareholders' equity, about a third the median of 12.6% for the 2,627 banks with $100 million to $1 billion in assets. It also pays an average of 2.62% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $395,000, 89% above the same quarter a year earlier. Costs are the weak spot: it spends about 80 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 Newark reported a return on assets of 0.54%, a nonperforming-loan ratio of 1.28% and a Texas ratio of 6.56%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Federal Savings and Loan Association of Newark is the 75th largest of the 154 banks headquartered in Ohio. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.4% to $293.5M, loans fell 0.8% and deposits fell 1.2%. 1-4 family residential loans made up 80.4% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 6.8%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in OH; its Newark 2 offices book 63% of its branch deposits. On its Q2 2026 call report, First Federal Savings and Loan Association of Newark meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2 N 2nd St, Newark, OH 43055
- County
- Licking
- Metro Area
- Columbus, 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
- August 1, 1934
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $250.7M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $9K
- Average total assets
- $292.5M
- Average total loans
- $210.0M
- Average interest-bearing deposits
- $227.5M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29090
- Fed RSSD
- 623874
- Website
- www.firstfedohio.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First Federal Savings and Loan Association of Newark reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Federal Savings and Loan Association of Newark's total assets ran between $265.8M (Q3 2023) and $295.5M (Q4 2025), 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
$293.5M total assets against $292.6M; $253.7M total liabilities against $254.6M.
$209.9M net loans and leases against $214.0M; $250.7M total deposits against $251.6M.
$38.7M securities against $45.3M; $27.1M cash and balances due against $15.6M.
$3.9M total interest income against $3.8M; $1.6M total interest expense against $1.9M.
$2.2M net interest income against $1.9M.
$284K total noninterest income against $242K; $2.0M total noninterest expense against $1.9M.
$16K provision for credit losses against $63K.
$395K net income against $209K.
0.54% return on assets against 0.29%; 3.26% net interest margin against 2.82%.
14.18% tier 1 leverage ratio against 13.77%.
Inside the full First Federal Savings and Loan Association of Newark terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Federal Savings and Loan Association of Newark rankings
Its closest position to the top of a national ranking is 1,035 of 3,640, for Texas Ratio; its furthest is 3,257 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.10% (Q3 2024) to 0.54% (Q2 2026) and its net interest margin ran from 2.41% (Q3 2024) to 3.26% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.18% | 0.54% | 1.28% | 6.56% | 3.26% |
| Q1 2026 | 13.91% | 0.47% | 1.13% | 5.87% | 3.07% |
| Q4 2025 | 13.81% | 0.47% | 1.02% | 5.40% | 3.03% |
| Q3 2025 | 13.92% | 0.46% | 0.77% | 4.09% | 2.88% |
| Q2 2025 | 13.77% | 0.29% | 0.77% | 4.23% | 2.82% |
| Q1 2025 | 13.77% | 0.17% | 0.62% | 3.32% | 2.60% |
| Q4 2024 | 13.61% | 0.22% | 0.64% | 3.40% | 2.59% |
| Q3 2024 | 14.01% | 0.10% | 0.80% | 4.25% | 2.41% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 | Newark , OH | 43055 | $120.7M |
| Newark Branch | Newark , OH | 43055 | $37.1M |
| Granville Branch | Granville , OH | 43023 | $32.8M |
| Hebron Road Branch | Heath , OH | 43056 | $30.3M |
| 182 West Broad Street Branch | Pataskala , OH | 43062 | $29.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 89 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 252 applications, 161 loans originated, $46.5M 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 Newark
What are First Federal Savings and Loan Association of Newark's total assets?
As of the Q2 2026 filing, First Federal Savings and Loan Association of Newark reported total assets of $293.5 million in its FFIEC call report.
Where is First Federal Savings and Loan Association of Newark headquartered?
It is headquartered in Newark, OH, United States.
When was First Federal Savings and Loan Association of Newark founded?
It was established in 1934, per the FDIC institution directory.
Is First Federal Savings and Loan Association of Newark FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29090). 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 Newark?
First Federal Savings and Loan Association of Newark's primary federal regulator is the OCC.
How many branches does First Federal Savings and Loan Association of Newark 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 Newark's Texas Ratio?
Its Texas Ratio is 6.56% 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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