First Federal Savings and Loan Association of Newark
Newark, OH · Cert 29090 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 5 branches
Q2 2026
$293.5MAssets
$211.4MLoans
$250.7MDeposits
$39.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 78% of banks under $1B in assets operating in a single state (rank 161 of 746).
- Widest gap: return on equity trails 87% of banks under $1B in assets operating in a single state (rank 649 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.51%
Rank 632 of 746
Net Interest Margin
3.00%
Rank 611 of 746
Efficiency Ratio
80.70%
Rank 625 of 746
Equity / Assets
13.56%
Rank 161 of 746
Non-interest income vs. expense
Unfavorable gap of $6.9M · efficiency ratio beats 16% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.72% | 1.06% | 1.45% | Beats 15% | 632 / 746 | |
| Return on Equity | 3.73% | 6.74% | 10.51% | 13.63% | Beats 13% | 649 / 746 | |
| Net Interest Margin | 3.00% | 3.17% | 3.68% | 4.16% | Beats 18% | 611 / 746 | |
| Efficiency Ratio | 80.70% | 55.74% | 64.58% | 75.47% | Beats 16% | 625 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.28% | 0.09% | 0.42% | 1.07% | Beats 21% | 590 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 59% | 304 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 14.18% | 11.55% | 13.75% | 17.60% | Beats 54% | 345 / 746 | |
| Total Risk-Based Capital Ratio | 14.18% | 11.71% | 14.33% | 18.43% | Beats 48% | 385 / 746 | |
| Equity / Assets | 13.56% | 8.90% | 10.51% | 13.06% | Beats 78% | 161 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 84.30% | 61.31% | 78.27% | 90.78% | 64th pctl | 272 / 746 | |
| Loans / Assets | 72.01% | 53.60% | 66.97% | 76.08% | 63rd pctl | 277 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |