First Federal Savings Bank
Huntington, IN · Cert 29690 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Northeast Indiana Bcorp Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$553.6MAssets
$419.9MLoans
$459.9MDeposits
$54.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 69% of banks under $1B in assets operating in a single state (rank 228 of 746).
- Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets operating in a single state (rank 657 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.28%
Rank 253 of 746
Net Interest Margin
3.44%
Rank 473 of 746
Efficiency Ratio
58.29%
Rank 247 of 746
Equity / Assets
9.87%
Rank 446 of 746
Non-interest income vs. expense
Unfavorable gap of $10.3M · efficiency ratio beats 67% 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 | 1.28% | 0.72% | 1.06% | 1.45% | Beats 66% | 253 / 746 | | |
| Return on Equity | 12.99% | 6.74% | 10.51% | 13.63% | Beats 69% | 228 / 746 | | |
| Net Interest Margin | 3.44% | 3.17% | 3.68% | 4.16% | Beats 37% | 473 / 746 | | |
| Efficiency Ratio | 58.29% | 55.74% | 64.58% | 75.47% | Beats 67% | 247 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.88% | 0.09% | 0.42% | 1.07% | Beats 13% | 650 / 743 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 34% | 489 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.46% | 11.55% | 13.75% | 17.60% | Beats 13% | 647 / 746 | | |
| Total Risk-Based Capital Ratio | 10.46% | 11.71% | 14.33% | 18.43% | Beats 12% | 657 / 746 | | |
| Equity / Assets | 9.87% | 8.90% | 10.51% | 13.06% | Beats 40% | 446 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.30% | 61.31% | 78.27% | 90.78% | 76th pctl | 176 / 746 | | |
| Loans / Assets | 75.85% | 53.60% | 66.97% | 76.08% | 74th pctl | 197 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |