First Federal Savings of Middletown
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Data as of · sourced from FFIEC call reports. How we update
First Federal Savings of Middletown is an FDIC-insured savings and loan association headquartered in Middletown, NY, established in 1888 (FDIC certificate 28712), and it is supervised by the OCC. At Q2 2026 it reported total assets of $188.0M, up 3.9% from Q2 2025, the 93rd largest of 105 banks headquartered in New York. It reports no CET1 ratio; its Tier 1 leverage ratio was 36.94% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28712
- Headquarters
- Middletown, NY
- Established
- 1888
- Total assets, Q2 2026
- $188.0M
- Assets vs Q2 2025
- +3.9%
- Tier 1 leverage ratio, Q2 2026
- 36.94%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 221972098
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Savings of Middletown call report
- Asset rank in state
- 93rd of 105 in New York
First Federal Savings of Middletown runs leaner than most banks of its size. It reported $188 million in assets at June 30, 2026, up 3.9% from a year earlier. It spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). It also keeps 5.23 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.96 cents).
Net income for the quarter slipped 28% from a year earlier, to $765,000. Over the same year, loans shrank 1.2% and deposits grew 3.4%. Profitability lags: it returns 4.5% a year on shareholders' equity, about a third the median of 12.6% for banks its size.
As of June 30, 2026, First Federal Savings of Middletown reported a return on assets of 1.65%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
First Federal Savings of Middletown ranks as the 93rd largest of the 105 banks based in New York, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.1% to $188.0M, loans fell 0.6% and deposits rose 0.9%. Non-owner-occupied commercial real estate loans made up 49.5% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 20.9%. The FDIC Summary of Deposits lists a single office for it, in Middletown, NY. Judged on its Q2 2026 call report, First Federal Savings of Middletown meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 22 James St, Middletown, NY 10940
- County
- Orange
- Metro Area
- Kiryas Joel-Poughkeepsie-Newburgh, NY
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1888
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $112.3M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $352K
- Average total assets
- $185.7M
- Average total loans
- $150.4M
- Average interest-bearing deposits
- $106.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28712
- Fed RSSD
- 565170
- Website
- www.firstfederalmiddletown.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. 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 of Middletown reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Federal Savings of Middletown's total assets moved between a low of $167.2M (Q3 2023) and a high of $188.0M (Q2 2026) 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
$188.0M total assets against $180.9M; $119.4M total liabilities against $115.4M.
$148.8M net loans and leases against $150.7M; $112.3M total deposits against $108.6M.
$267K securities against $4.4M; $30.6M cash and balances due against $17.9M.
$2.8M total interest income against $2.9M; $520K total interest expense against $537K.
$2.3M net interest income against $2.4M.
$49K total noninterest income against -$48K; $961K total noninterest expense against $957K.
$371K provision for credit losses against -$15K.
$765K net income against $1.1M.
1.65% return on assets against 2.35%; 5.23% net interest margin against 5.42%.
36.94% tier 1 leverage ratio against 36.25%.
Inside the full First Federal Savings of Middletown terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
First Federal Savings of Middletown rankings
Its closest position to the top of a national ranking is 232 of 3,606, for efficiency ratio; its furthest is 3,545 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.90% (Q4 2025) to 2.35% (Q2 2025) and its net interest margin ran from 4.98% (Q1 2025) to 5.42% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 36.94% | 1.65% | 0.00% | 0.00% | 5.23% |
| Q1 2026 | 36.91% | 2.08% | 0.23% | 0.51% | 5.07% |
| Q4 2025 | 36.98% | 0.90% | 0.23% | 0.51% | 5.12% |
| Q3 2025 | 36.87% | 2.06% | 0.23% | 0.52% | 5.26% |
| Q2 2025 | 36.25% | 2.35% | 0.23% | 0.52% | 5.42% |
| Q1 2025 | 35.67% | 2.13% | 0.22% | 0.53% | 4.98% |
| Q4 2024 | 35.49% | 1.08% | 0.48% | 1.13% | 5.07% |
| Q3 2024 | 35.95% | 1.16% | 0.00% | 0.00% | 5.24% |
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 of Middletown (main office) | Middletown , NY | 10940 | $112.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- October 3, 2008, OCC (former OTS): Cease and Desist: First Federal Savings of MiddleTown
- Period: Most recent institution action October 3, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 148 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), 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 of Middletown
What are First Federal Savings of Middletown's total assets?
As of the Q2 2026 filing, First Federal Savings of Middletown reported total assets of $188.0 million in its FFIEC call report.
Where is First Federal Savings of Middletown headquartered?
It is headquartered in Middletown, NY, United States.
When was First Federal Savings of Middletown founded?
It was established in 1888, per the FDIC institution directory.
Is First Federal Savings of Middletown FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #28712). 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 of Middletown?
First Federal Savings of Middletown's primary federal regulator is the OCC.
How many branches does First Federal Savings of Middletown 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 of Middletown's Texas Ratio?
Its Texas Ratio is 0.00% 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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