First Federal Savings and Loan Bank
BankRegReports is independent of First Federal Savings and Loan Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First Federal Savings and Loan Bank is an FDIC-insured commercial bank headquartered in Olathe, KS, supervised by the FDIC, with $109.5M in total assets at Q2 2026, down 6.0% from Q2 2025, the 130th largest of 182 banks headquartered in Kansas. It was established in 1923 and holds FDIC certificate 28635. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.27% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28635
- Headquarters
- Olathe, KS
- Established
- 1923
- Total assets, Q2 2026
- $109.5M
- Assets vs Q2 2025
- -6.0%
- Tier 1 leverage ratio, Q2 2026
- 12.27%
- Domestic offices
- 1 · First Federal Savings and Loan Bank branches FDIC institution directory, current count
- Routing number
- 301071110
- Safety and soundness
- Is First Federal Savings and Loan Bank safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Savings and Loan Bank Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- FIRST FEDERAL OF OLATHE BANCORP, INC.
- Asset rank in state
- 130th of 182 in Kansas
First Federal Savings and Loan Bank is one of the more profitable banks of its size. It reported $109 million in assets at June 30, 2026, down 6.0% from a year earlier. It earns about $3.19 a year on every $100 of assets, 2.5 times the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 33 cents to bring in each dollar of revenue, about half the median of 61 cents for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.28% of loans, down from 1.75% a year earlier. Funding is the softer spot: it pays an average of 3.64% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, First Federal Savings and Loan Bank reported a return on assets of 3.19%, a nonperforming-loan ratio of 1.28% and a Texas ratio of 7.74%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Federal Savings and Loan Bank is the 130th largest of the 182 banks headquartered in Kansas. Between Q1 2026 and Q2 2026, its total assets fell 0.3% to $109.5M, loans fell 1.7% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 94.0% of total loans, followed by construction and land development loans at 3.4%. Its one office in the FDIC Summary of Deposits is in Olathe, KS. By the capital ratios in its Q2 2026 call report, First Federal Savings and Loan Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 700 E Santa Fe St, Olathe, KS 66061
- County
- Johnson
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1923
- Former names
- First Federal Savings and Loan Association of Olathe (1988-2011)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $91.8M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $108.9M
- Average total loans
- $86.8M
- Average interest-bearing deposits
- $91.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28635
- Fed RSSD
- 198073
- SEC CIK
- 1100553 → filed by FIRST FEDERAL OF OLATHE BANCORP, INC.
- Website
- www.firstfederalolathe.com →
- Parent Holding Company
- FIRST FEDERAL OF OLATHE BANCORP, INC. (RSSD 3308051)
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. 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 Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Federal Savings and Loan Bank's total assets moved between a low of $104.4M (Q3 2023) and a high of $117.9M (Q1 2025) 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
$109.5M total assets against $116.5M; $96.1M total liabilities against $103.1M.
$85.7M net loans and leases against $92.3M; $91.8M total deposits against $98.3M.
$0 securities against $0; $8.8M cash and balances due against $3.4M.
$2.2M total interest income against $2.3M; $877K total interest expense against $997K.
$1.3M net interest income against $1.3M.
$8K total noninterest income against $1K; $441K total noninterest expense against $295K.
$0 provision for credit losses against $0.
$869K net income against $956K.
3.19% return on assets against 3.24%; 4.93% net interest margin against 4.44%.
12.27% tier 1 leverage ratio against 11.32%.
Inside the full First Federal Savings and Loan Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Federal Savings and Loan Bank rankings
Its closest position to the top of a national ranking is 56 of 3,611, for ROA; its furthest is 3,594 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.90% (Q4 2025) to 4.15% (Q1 2025) and its net interest margin ran from 4.44% (Q2 2025) to 4.93% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.27% | 3.19% | 1.28% | 7.74% | 4.93% |
| Q1 2026 | 12.22% | 3.44% | 1.28% | 7.83% | 4.60% |
| Q4 2025 | 11.95% | 2.90% | 1.80% | 14.49% | 4.56% |
| Q3 2025 | 11.38% | 3.15% | 1.74% | 15.28% | 4.50% |
| Q2 2025 | 11.32% | 3.24% | 1.75% | 15.35% | 4.44% |
| Q1 2025 | 11.77% | 4.15% | 1.17% | 11.27% | 4.74% |
| Q4 2024 | 12.08% | 3.61% | 2.09% | 17.02% | 4.77% |
| Q3 2024 | 12.25% | 4.07% | 2.09% | 16.45% | 4.92% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Bank (main office) | Olathe , KS | 66061 | $91.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 6 against individuals associated with it
- Period: Most recent action March 8, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in KS, rank 158 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 101 applications, 85 loans originated, $14.4M originated, across 2 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
Add this badge to your website
Free to use. It shows First Federal Savings and Loan Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about First Federal Savings and Loan Bank
What are First Federal Savings and Loan Bank's total assets?
As of the Q2 2026 filing, First Federal Savings and Loan Bank reported total assets of $109.5 million in its FFIEC call report.
Where is First Federal Savings and Loan Bank headquartered?
It is headquartered in Olathe, KS, United States.
When was First Federal Savings and Loan Bank founded?
It was established in 1923, per the FDIC institution directory.
Is First Federal Savings and Loan Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #28635). 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 Bank?
First Federal Savings and Loan Bank's primary federal regulator is the FDIC.
How many branches does First Federal Savings and Loan Bank operate?
It operates 1 domestic office, 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 Bank's Texas Ratio?
Its Texas Ratio is 7.74% 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.
What was First Federal Savings and Loan Bank previously called?
The charter now named First Federal Savings and Loan Bank has also operated as First Federal Savings and Loan Association of Olathe (1988-2011), per FDIC structure-change records.
Go deeper on First Federal Savings and Loan Bank.
Get an email when First Federal Savings and Loan Bank files its next call report, and benchmark it against any peer you choose.
Unlock First Federal Savings and Loan Bank, freeFree account