First Federal Savings of Middletown
Middletown, NY · Cert 28712 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SL · OCC · 1 branch
Q2 2026
$188.0MAssets
$150.4MLoans
$112.3MDeposits
$68.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets operating in a single state (rank 695 of 743).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.83%
Rank 79 of 746
Net Interest Margin
4.88%
Rank 41 of 746
Efficiency Ratio
45.69%
Rank 59 of 746
Equity / Assets
36.49%
Rank 9 of 746
Non-interest income vs. expense
Unfavorable gap of $4.0M · efficiency ratio beats 92% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.83% | 0.72% | 1.06% | 1.45% | Beats 89% | 79 / 746 | | |
| Return on Equity | 5.02% | 6.74% | 10.51% | 13.63% | Beats 18% | 613 / 746 | | |
| Net Interest Margin | 4.88% | 3.17% | 3.68% | 4.16% | Beats 95% | 41 / 746 | | |
| Efficiency Ratio | 45.69% | 55.74% | 64.58% | 75.47% | Beats 92% | 59 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.23% | 0.00% | 0.01% | 0.05% | Beats 7% | 695 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 36.94% | 11.55% | 13.75% | 17.60% | Beats 97% | 26 / 746 | | |
| Total Risk-Based Capital Ratio | 36.94% | 11.71% | 14.33% | 18.43% | Beats 97% | 26 / 746 | | |
| Equity / Assets | 36.49% | 8.90% | 10.51% | 13.06% | Beats 99% | 9 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 133.99% | 61.31% | 78.27% | 90.78% | 99th pctl | 7 / 746 | | |
| Loans / Assets | 80.02% | 53.60% | 66.97% | 76.08% | 86th pctl | 108 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |