First Federal Savings and Loan Association
Ravenswood, WV · Cert 29490 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 1 branch
Q2 2026
$26.3MAssets
$19.7MLoans
$23.5MDeposits
$2.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: net interest margin trails 96% of banks under $1B in assets operating in a single state (rank 715 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.30%
Rank 670 of 746
Net Interest Margin
2.24%
Rank 715 of 746
Efficiency Ratio
82.68%
Rank 643 of 746
Equity / Assets
10.53%
Rank 371 of 746
Non-interest income vs. expense
Unfavorable gap of $488K · efficiency ratio beats 14% 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 | 0.30% | 0.72% | 1.06% | 1.45% | Beats 10% | 670 / 746 | | |
| Return on Equity | 2.89% | 6.74% | 10.51% | 13.63% | Beats 11% | 663 / 746 | | |
| Net Interest Margin | 2.24% | 3.17% | 3.68% | 4.16% | Beats 4% | 715 / 746 | | |
| Efficiency Ratio | 82.68% | 55.74% | 64.58% | 75.47% | Beats 14% | 643 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.11% | 0.09% | 0.42% | 1.07% | Beats 24% | 566 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 23.15% | 11.55% | 13.75% | 17.60% | Beats 89% | 83 / 746 | | |
| Total Risk-Based Capital Ratio | 24.10% | 11.71% | 14.33% | 18.43% | Beats 89% | 82 / 746 | | |
| Equity / Assets | 10.53% | 8.90% | 10.51% | 13.06% | Beats 50% | 371 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.87% | 61.31% | 78.27% | 90.78% | 62nd pctl | 281 / 746 | | |
| Loans / Assets | 74.87% | 53.60% | 66.97% | 76.08% | 71st pctl | 218 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |