First Federal Savings and Loan Association of Delta
Delta, OH · Cert 29345 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Feddelta Bancshares MHC
State savings bank · OCC · 6 branches
Q2 2026
$246.0MAssets
$115.6MLoans
$205.9MDeposits
$39.2MEquity
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: return on equity trails 75% of banks under $1B in assets operating in a single state (rank 562 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.06%
Rank 370 of 746
Net Interest Margin
3.43%
Rank 474 of 746
Efficiency Ratio
66.17%
Rank 412 of 746
Equity / Assets
15.93%
Rank 80 of 746
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 45% 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 | 1.06% | 0.72% | 1.06% | 1.45% | Beats 50% | 370 / 746 | | |
| Return on Equity | 6.67% | 6.74% | 10.51% | 13.63% | Beats 25% | 562 / 746 | | |
| Net Interest Margin | 3.43% | 3.17% | 3.68% | 4.16% | Beats 36% | 474 / 746 | | |
| Efficiency Ratio | 66.17% | 55.74% | 64.58% | 75.47% | Beats 45% | 412 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 39.65% | 11.55% | 13.75% | 17.60% | Beats 97% | 23 / 746 | | |
| Total Risk-Based Capital Ratio | 40.32% | 11.71% | 14.33% | 18.43% | Beats 97% | 23 / 746 | | |
| Equity / Assets | 15.93% | 8.90% | 10.51% | 13.06% | Beats 89% | 80 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 56.18% | 61.31% | 78.27% | 90.78% | 19th pctl | 605 / 746 | | |
| Loans / Assets | 47.00% | 53.60% | 66.97% | 76.08% | 17th pctl | 622 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |