First Federal Savings and Loan Association of McMinnville
McMinnville, OR · Cert 29624 · Peer group: banks under $1B in assets (n=581-629)
SL · OCC · 6 branches
Q2 2026
$678.7MAssets
$426.3MLoans
$578.1MDeposits
$74.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: net interest margin trails 82% of banks under $1B in assets (rank 518 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.48%
Rank 508 of 629
Net Interest Margin
2.84%
Rank 518 of 629
Efficiency Ratio
78.19%
Rank 461 of 629
Equity / Assets
10.93%
Rank 294 of 629
Non-interest income vs. expense
Unfavorable gap of $14.8M · efficiency ratio beats 27% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.48% | 0.60% | 1.01% | 1.45% | Beats 19% | 508 / 629 | |
| Return on Equity | 4.43% | 5.38% | 9.30% | 13.28% | Beats 20% | 505 / 629 | |
| Net Interest Margin | 2.84% | 3.03% | 3.54% | 4.05% | Beats 18% | 518 / 629 | |
| Efficiency Ratio | 78.19% | 58.35% | 67.79% | 79.08% | Beats 27% | 461 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.46% | 1.20% | Beats 82% | 105 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 20.86% | 11.24% | 13.84% | 18.77% | Beats 79% | 130 / 629 | |
| Total Risk-Based Capital Ratio | 22.05% | 11.58% | 14.43% | 19.66% | Beats 80% | 128 / 629 | |
| Equity / Assets | 10.93% | 9.09% | 10.65% | 13.80% | Beats 53% | 294 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 73.73% | 67.24% | 80.90% | 93.48% | 36th pctl | 378 / 594 | |
| Loans / Assets | 62.81% | 53.31% | 67.71% | 78.15% | 40th pctl | 376 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |