First Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
First Savings and Loan Association is an FDIC-insured savings institution headquartered in Mebane, NC, established in 1909 (FDIC certificate 30358), and it is supervised by the OCC. At Q2 2026 it reported total assets of $55.9M, down 5.2% from Q2 2025, the 33rd largest of 38 banks headquartered in North Carolina.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30358
- Headquarters
- Mebane, NC
- Established
- 1909
- Total assets, Q2 2026
- $55.9M
- Assets vs Q2 2025
- -5.2%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 253170936
- Latest call report
- Q2 2026, FFIEC 051 · First Savings and Loan Association call report
- Asset rank in state
- 33rd of 38 in North Carolina
First Savings and Loan Association, based in Mebane, North Carolina, reported $56 million in assets at June 30, 2026, down 5.2% from a year earlier. It keeps 2.60 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also pays an average of 2.98% on its deposits and borrowings, about double the median of 1.53% for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.23% of loans, down from 0.35% a year earlier. Profitability lags: it returns 1.4% a year on shareholders' equity, a small fraction of the median of 8.6% for banks its size.
As of June 30, 2026, First Savings and Loan Association reported a CET1 capital ratio of 55.57%, a return on assets of 0.33%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 0.60%. The figures come from its call report filed with the FFIEC.
First Savings and Loan Association ranks as the 33rd largest of the 38 banks based in North Carolina, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.5% to $55.9M, loans fell 4.9% and deposits rose 0.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 95.0% of total loans, followed by owner-occupied commercial real estate loans at 2.9%. The FDIC Summary of Deposits lists a single office for it, in Mebane, NC. By the capital ratios in its Q2 2026 call report, First Savings and Loan Association meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 206 W Center St, Mebane, NC 27302
- County
- Alamance
- Metro Area
- Burlington, NC
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1909
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 4
- Domestic deposits
- $41.6M
- Allowance for credit losses
- $177K
- Net charge-offs (YTD)
- $0
- Average total assets
- $56.0M
- Average total loans
- $35.5M
- Average interest-bearing deposits
- $42.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30358
- Fed RSSD
- 141677
- Website
- www.firstsandl.net →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Savings and Loan Association's total assets ranged from $55.5M (Q4 2025) to $60.8M (Q3 2023), and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$55.9M total assets against $59.0M; $42.5M total liabilities against $45.6M.
$34.8M net loans and leases against $36.4M; $41.6M total deposits against $44.7M.
$11.5M securities against $11.5M; $6.4M cash and balances due against $7.9M.
$642K total interest income against $648K; $313K total interest expense against $385K.
$329K net interest income against $263K.
$22K total noninterest income against $21K; $314K total noninterest expense against $285K.
-$9K provision for credit losses against -$1K.
$46K net income against $0.
0.33% return on assets against 0.00%; 2.60% net interest margin against 1.90%.
55.57% CET1 capital ratio against 52.95%; 23.92% tier 1 leverage ratio against 22.71%.
Inside the full First Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.37% (Q3 2025) to 0.39% (Q4 2024) and its net interest margin ran from 1.64% (Q1 2025) to 2.60% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 55.57% | 0.33% | 0.23% | 0.60% | 2.60% |
| Q1 2026 | 53.63% | 0.30% | 0.22% | 0.61% | 2.51% |
| Q4 2025 | 54.00% | 0.26% | 0.22% | 0.61% | 2.36% |
| Q3 2025 | 52.86% | -0.37% | 0.22% | 0.60% | 2.05% |
| Q2 2025 | 52.95% | 0.00% | 0.35% | 0.94% | 1.90% |
| Q1 2025 | 53.85% | -0.30% | 0.23% | 0.61% | 1.64% |
| Q4 2024 | 53.16% | 0.39% | 0.23% | 0.60% | 1.74% |
| Q3 2024 | 53.56% | -0.09% | 0.23% | 0.60% | 1.76% |
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 Savings and Loan Association (main office) | Mebane , NC | 27302 | $41.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NC, rank 72 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, 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 Savings and Loan Association
What are First Savings and Loan Association's total assets?
As of the Q2 2026 filing, First Savings and Loan Association reported total assets of $55.9 million in its FFIEC call report.
Where is First Savings and Loan Association headquartered?
It is headquartered in Mebane, NC, United States.
When was First Savings and Loan Association founded?
It was established in 1909, per the FDIC institution directory.
Is First Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #30358). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Savings and Loan Association?
First Savings and Loan Association's primary federal regulator is the OCC.
What is First Savings and Loan Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 55.57% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Savings and Loan Association 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 Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 0.60% 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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