First Federal Savings Bank (Evansville, IN)
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Data as of · sourced from FFIEC call reports. How we update
First Federal Savings Bank is an FDIC-insured commercial bank headquartered in Evansville, IN, established in 1934 (FDIC certificate 29056), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $575.6M, down 4.9% from Q2 2025, the 36th largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.54% 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
- 29056
- Headquarters
- Evansville, IN
- Established
- 1934
- Total assets, Q2 2026
- $575.6M
- Assets vs Q2 2025
- -4.9%
- Tier 1 leverage ratio, Q2 2026
- 9.54%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 286371676
- Latest call report
- Q2 2026, FFIEC 041 · First Federal Savings Bank call report
- Holding company
- FIRST BANCORP OF INDIANA, INC.
- Asset rank in state
- 36th of 87 in Indiana
First Federal Savings Bank spends more to run itself than most banks of its size. It reported $576 million in assets at June 30, 2026, down 4.9% from a year earlier. It spends about 85 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also shrank its loan book 4.9% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $654,000, 61% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.24% of loans, down from 0.37% a year earlier. Profitability lags: it earns about $0.45 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
As of June 30, 2026, First Federal Savings Bank reported a return on assets of 0.45%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 2.18%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, First Federal Savings Bank is the 36th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.6% to $575.6M, loans fell 0.5% and deposits rose 3.2%. 1-4 family residential loans made up 50.6% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 16.0%. Its 10 offices in the FDIC Summary of Deposits are in 5 cities across 2 states; its Evansville 6 offices book 80% of its branch deposits. On its Q2 2026 call report, First Federal Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 5001 Davis Lant Dr, Evansville, IN 47715
- County
- Vanderburgh
- Metro Area
- Evansville, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 1, 1934
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 125
- Domestic deposits
- $472.8M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $18K
- Average total assets
- $578.4M
- Average total loans
- $429.6M
- Average interest-bearing deposits
- $461.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29056
- Fed RSSD
- 613679
- SEC CIK
- 1074543 → filed by FIRST BANCORP OF INDIANA, INC.
- Website
- www.firstfedsavings.bank →
- Parent Holding Company
- FIRST BANCORP OF INDIANA, INC. (RSSD 3832284)
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 Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Federal Savings Bank's total assets moved between a low of $575.6M (Q2 2026) and a high of $650.2M (Q4 2023) 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
$575.6M total assets against $605.1M; $521.7M total liabilities against $555.6M.
$424.4M net loans and leases against $446.4M; $472.8M total deposits against $491.6M.
$88.0M securities against $88.4M; $18.1M cash and balances due against $22.8M.
$7.4M total interest income against $7.5M; $3.0M total interest expense against $3.6M.
$4.3M net interest income against $3.9M.
$931K total noninterest income against $896K; $4.6M total noninterest expense against $4.4M.
$0 provision for credit losses against $0.
$654K net income against $406K.
0.45% return on assets against 0.27%; 3.26% net interest margin against 2.83%.
9.54% tier 1 leverage ratio against 8.95%.
Inside the full First Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Federal Savings Bank rankings
Its closest position to the top of a national ranking is 1,599 of 4,196, for total assets; its furthest is 3,370 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.18% (Q1 2025) to 0.57% (Q4 2025) and its net interest margin ran from 2.75% (Q1 2025) to 3.26% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.54% | 0.45% | 0.24% | 2.18% | 3.26% |
| Q1 2026 | 9.38% | 0.29% | 0.33% | 2.75% | 3.12% |
| Q4 2025 | 8.96% | 0.57% | 0.22% | 2.41% | 3.09% |
| Q3 2025 | 8.92% | 0.43% | 0.29% | 3.66% | 3.01% |
| Q2 2025 | 8.95% | 0.27% | 0.42% | 4.37% | 2.83% |
| Q1 2025 | 8.80% | 0.18% | 1.87% | 18.03% | 2.75% |
| Q4 2024 | 8.41% | 0.35% | 2.01% | 19.22% | 2.85% |
| Q3 2024 | 8.36% | 0.41% | 1.60% | 15.07% | 2.85% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 Bank (main office) | Evansville , IN | 47715 | $276.5M |
| Petersburg Branch | Petersburg , IN | 47567 | $39.4M |
| Bellemeade Avenue Branch | Evansville , IN | 47714 | $29.6M |
| Washington Branch | Washington , IN | 47501 | $28.6M |
| Newburgh Branch | Newburgh , IN | 47630 | $25.6M |
| Franklin Street Branch | Evansville , IN | 47712 | $22.6M |
| University Branch | Evansville , IN | 47712 | $20.2M |
| First Avenue Branch | Evansville , IN | 47710 | $18.0M |
| 11201 Upper Mt. Vernon Road Branch | Evansville , IN | 47712 | $9.4M |
| Henderson Branch | Henderson , KY | 42420 | $2.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2006 | M&A | Acquired Home Building Savings Bank, F.S.B. merger for the acquired bank | SEC |
| October 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2006 | Structure Change | Acquired Home Building Savings Bank, F.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IN, rank 56 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 209 applications, 160 loans originated, $32.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.6M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Bank
What are First Federal Savings Bank's total assets?
As of the Q2 2026 filing, First Federal Savings Bank reported total assets of $575.6 million in its FFIEC call report.
Where is First Federal Savings Bank headquartered?
It is headquartered in Evansville, IN, United States.
When was First Federal Savings Bank founded?
It was established in 1934, per the FDIC institution directory.
Is First Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29056). 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 Bank?
First Federal Savings Bank's primary federal regulator is the FDIC.
How many branches does First Federal Savings Bank operate?
It operates 10 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 Bank's Texas Ratio?
Its Texas Ratio is 2.18% 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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