First Federal Savings and Loan Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5.89 percentage points lower than in Q1 2026, at 72.42%. On return on assets, First Federal Savings and Loan Bank ranks 6th highest among the 182 banks headquartered in Kansas, at 3.19% (Q2 2026). First Federal Savings and Loan Bank's return on assets of 3.19% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.94 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.27% |
| Equity capital to assets | 12.21% |
| Tangible equity to tangible assets | 12.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.61% |
| Non-performing assets ratio | 1.28% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 9.71% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 72.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.19% |
| Return on equity | 25.97% |
| Net interest margin | 4.93% |
| Efficiency ratio | 32.91% |
| Yield on earning assets | 8.17% |
| Cost of funds | 3.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.51% |
| Core deposits to total deposits | 44.74% |
| Brokered deposits to total deposits | 40.18% |
| Deposits to assets | 83.84% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.87% | 3.93% | 5.06% | 1.38% | 0.00% |
| Q4 2023 | 12.69% | 3.79% | 4.90% | 2.80% | 0.00% |
| Q1 2024 | 13.27% | 3.51% | 4.87% | 3.75% | 0.00% |
| Q2 2024 | 13.20% | 3.86% | 5.03% | 2.39% | 0.00% |
| Q3 2024 | 12.25% | 4.07% | 4.92% | 2.29% | 0.00% |
| Q4 2024 | 12.08% | 3.61% | 4.77% | 2.41% | 0.00% |
| Q1 2025 | 11.77% | 4.15% | 4.74% | 1.36% | 0.00% |
| Q2 2025 | 11.32% | 3.24% | 4.44% | 1.94% | 0.00% |
| Q3 2025 | 11.38% | 3.15% | 4.50% | 1.94% | 0.00% |
| Q4 2025 | 11.95% | 2.90% | 4.56% | 1.99% | 0.00% |
| Q1 2026 | 12.22% | 3.44% | 4.60% | 1.46% | 0.00% |
| Q2 2026 | 12.27% | 3.19% | 4.93% | 1.61% | 0.00% |
First Federal Savings and Loan Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings and Loan Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Federal Savings and Loan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28635) · FFIEC NIC profile (RSSD 198073)