First Savings and Loan Association: 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: 8.24 percentage points lower than in Q1 2026, at 215.85%. Within North Carolina, First Savings and Loan Association is 32nd of 38 on return on assets, 0.33% as of Q2 2026, below the middle of the field. Against a median of 0.98% for banks in the < $100M asset tier, First Savings and Loan Association reported 0.33% on return on assets in Q2 2026, 0.66 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 55.57% |
| Tier 1 risk-based capital ratio | 55.57% |
| Total risk-based capital ratio | 56.30% |
| Tier 1 leverage ratio | 23.92% |
| Equity capital to assets | 23.97% |
| Tangible equity to tangible assets | 23.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.23% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.60% |
| Allowance for credit losses to loans | 0.51% |
| Reserve coverage of non-performing loans | 215.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.33% |
| Return on equity | 1.38% |
| Net interest margin | 2.60% |
| Efficiency ratio | 87.21% |
| Yield on earning assets | 5.00% |
| Cost of funds | 2.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.25% |
| Core deposits to total deposits | 81.80% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 74.39% |
| Securities to assets | 20.55% |
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 | 52.32% | 52.32% | 53.26% | 21.86% | -0.12% |
| Q4 2023 | 53.50% | 53.50% | 54.35% | 21.98% | 0.42% |
| Q1 2024 | 53.64% | 53.64% | 54.45% | 22.14% | -0.09% |
| Q2 2024 | 53.61% | 53.61% | 54.43% | 22.81% | -0.23% |
| Q3 2024 | 53.56% | 53.56% | 54.35% | 22.44% | -0.09% |
| Q4 2024 | 53.16% | 53.16% | 53.95% | 21.98% | 0.39% |
| Q1 2025 | 53.85% | 53.85% | 54.65% | 22.28% | -0.30% |
| Q2 2025 | 52.95% | 52.95% | 53.73% | 22.71% | 0.00% |
| Q3 2025 | 52.86% | 52.86% | 53.64% | 22.93% | -0.37% |
| Q4 2025 | 54.00% | 54.00% | 54.75% | 23.80% | 0.26% |
| Q1 2026 | 53.63% | 53.63% | 54.38% | 24.02% | 0.30% |
| Q2 2026 | 55.57% | 55.57% | 56.30% | 23.92% | 0.33% |
First Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Savings and Loan Association, 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30358) · FFIEC NIC profile (RSSD 141677)