First Federal Savings and Loan Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First Federal Savings and Loan Bank is an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $109M in assets, including $87M in loans. Returns are notably above industry norms: 3.19% ROA, 25.97% ROE, and 4.93% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 12.27% exceeds the CBLR threshold. Asset quality merits closer attention with NPLs at 1.61%. The bank operates from a single office.
As of June 30, 2026, First Federal Savings and Loan Bank reported a Tier 1 leverage ratio of 12.27%, a return on assets of 3.19%, a nonperforming-loan ratio of 1.61%, a Texas ratio of 9.71%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 700 E Santa Fe St, Olathe, KS 66061
- County
- Johnson
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1923
- Former names
- First Federal Savings and Loan Association of Olathe (1988-2011)
- Offices
- 1 domestic
- Employees (FTE)
- 7
- Domestic deposits
- $91.8M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $108.9M
- Average total loans
- $86.8M
- Average interest-bearing deposits
- $91.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28635
- Fed RSSD
- 198073
- SEC CIK
- 1100553 → filed by FIRST FEDERAL OF OLATHE BANCORP, INC.
- Website
- www.firstfederalolathe.com →
- Parent Holding Company
- FIRST FEDERAL OF OLATHE BANCORP, INC. (RSSD 3308051)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Federal Savings and Loan Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First Federal Savings and Loan Bank: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.27% | 3.19% | 1.61% | 9.71% | 4.93% |
| Q1 2026 | 12.22% | 3.44% | 1.46% | 8.96% | 4.60% |
| Q4 2025 | 11.95% | 2.90% | 1.99% | 15.70% | 4.56% |
| Q3 2025 | 11.38% | 3.15% | 1.94% | 16.52% | 4.50% |
| Q2 2025 | 11.32% | 3.24% | 1.94% | 16.60% | 4.44% |
| Q1 2025 | 11.77% | 4.15% | 1.36% | 12.51% | 4.74% |
| Q4 2024 | 12.08% | 3.61% | 2.41% | 19.22% | 4.77% |
| Q3 2024 | 12.25% | 4.07% | 2.29% | 17.78% | 4.92% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Federal Savings and Loan Bank (main office) | Olathe , KS | 66061 | $91.8M |
Regulatory record
What the public regulatory sources show for First Federal Savings and Loan Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 6 against individuals associated with it
- Period: Most recent action March 8, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in KS, rank 158 of 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 101 applications, 85 loans originated, $14.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Federal Savings and Loan Bank
What are First Federal Savings and Loan Bank's total assets?
As of the Q2 2026 filing, First Federal Savings and Loan Bank reported total assets of $109.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Federal Savings and Loan Bank headquartered?
First Federal Savings and Loan Bank is headquartered in Olathe, KS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Federal Savings and Loan Bank founded?
First Federal Savings and Loan Bank was established in 1923, per the FDIC institution directory.
Is First Federal Savings and Loan Bank FDIC-insured?
Yes. First Federal Savings and Loan Bank is an FDIC-insured commercial bank (FDIC Certificate #28635). 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 and Loan Bank?
First Federal Savings and Loan Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First Federal Savings and Loan Bank operate?
First Federal Savings and Loan Bank 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 and Loan Bank's Texas Ratio?
First Federal Savings and Loan Bank's Texas Ratio is 9.71% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Federal Savings and Loan Bank previously called?
The charter now named First Federal Savings and Loan Bank has also operated as First Federal Savings and Loan Association of Olathe (1988-2011), per FDIC structure-change records.
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