First Federal Savings 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 Brokered deposits to total deposits: 3.47 percentage points lower than in Q1 2026, at 8.37%. First Federal Savings Bank ranks 45th of 87 Indiana banks on return on assets, in the lower half at 1.11% (Q2 2026). First Federal Savings Bank reported 1.11% on return on assets for Q2 2026, 0.14 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.31% |
| Equity capital to assets | 9.20% |
| Tangible equity to tangible assets | 9.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.94% |
| Non-performing assets ratio | 0.83% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 8.25% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 109.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.11% |
| Return on equity | 12.39% |
| Net interest margin | 3.49% |
| Efficiency ratio | 72.22% |
| Yield on earning assets | 5.53% |
| Cost of funds | 2.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.91% |
| Core deposits to total deposits | 79.80% |
| Brokered deposits to total deposits | 8.37% |
| Deposits to assets | 78.71% |
| Securities to assets | 2.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.50% | 13.50% | 14.75% | 8.69% | 0.30% |
| Q4 2023 | 13.86% | 13.86% | 15.11% | 8.88% | 1.10% |
| Q1 2024 | 12.73% | 12.73% | 13.98% | 8.73% | 0.19% |
| Q2 2024 | 13.36% | 13.36% | 14.61% | 8.75% | 0.34% |
| Q3 2024 | 13.37% | 13.37% | 14.62% | 8.70% | 0.43% |
| Q4 2024 | 13.51% | 13.51% | 14.76% | 8.84% | 0.82% |
| Q1 2025 | 14.19% | 14.19% | 15.44% | 9.19% | 0.80% |
| Q2 2025 | 14.20% | 14.20% | 15.45% | 9.63% | 0.85% |
| Q3 2025 | 13.80% | 13.80% | 15.05% | 9.53% | 0.83% |
| Q4 2025 | 13.85% | 13.85% | 15.11% | 9.24% | 0.90% |
| Q1 2026 | 13.57% | 13.57% | 14.82% | 9.21% | 0.82% |
| Q2 2026 | — | — | — | 9.31% | 1.11% |
First Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31516) · FFIEC NIC profile (RSSD 257578)