TellerScore

First Federal Savings and Loan Association of McMinnville is a savings association headquartered in Mcminnville, Oregon, in business for about 104 years. At the end of Q2 2026 it reported $678.7M in total assets and $578.1M in deposits, with 6 offices.

First Federal Savings and Loan Association of McMinnville has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 13 banks headquartered in Oregon, it ranks 6th. Problem-loan coverage contributes the most (100/100, 0.2%); earnings contributes the least (39/100, 0.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Tier 1 leverage ratio: 11.90%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings39/100
Return on assets (annualized): 0.49%
Funding & liquidity87/100
Loans ÷ deposits and uninsured-deposit share: 73.0% · 12.5% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.21%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (73 → 76), mostly because the earnings component improved by 7 points.

TellerScore
737577Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202474
Q4 202475
Q1 202574
Q2 202573
Q3 202573
Q4 202576
Q1 202677
Q2 202676
Tier 1 leverage ratio
5.00%8.45%11.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.76%
Q3 202411.78%
Q4 202411.77%
Q1 202511.69%
Q2 202511.66%
Q3 202511.69%
Q4 202511.77%
Q1 202611.89%
Q2 202611.90%
Noncurrent loans
0.00%0.09%0.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.03%
Q2 20250.17%
Q3 20250.18%
Q4 20250.00%
Q1 20260.00%
Q2 20260.04%
Return on assets
0.15%0.32%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.15%
Q3 20240.21%
Q4 20240.24%
Q1 20250.24%
Q2 20250.30%
Q3 20250.31%
Q4 20250.35%
Q1 20260.44%
Q2 20260.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$678.7M11.90%0.04%0.49%73.0%
Q1 202677$679.0M11.89%0.00%0.44%70.1%
Q4 202576$669.4M11.77%0.00%0.35%70.6%
Q3 202573$667.9M11.69%0.18%0.31%71.5%
Q2 202573$659.5M11.66%0.17%0.30%72.2%
Q1 202574$668.1M11.69%0.03%0.24%69.9%
Q4 202475$643.8M11.77%0.00%0.24%71.8%
Q3 202474$639.4M11.78%0.00%0.21%73.4%
Q2 202474$640.8M11.76%0.00%0.15%70.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.90%
64th
Total risk-based capital22.05%
90th
Problem loans0.04%
81st
Net charge-offs0.00%
68th
Return on assets0.49%
12th
Net interest margin3.08%
12th
Efficiency ratio78.2%
16th
Loans to deposits73.0%
64th
Uninsured deposits12.5%
89th
Loan-loss reserves1.03%
30th
Texas ratio0.2%
83rd

Similar-size banks in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
Pioneer Trust Bank, National AssociationBank Salem, OR81 out of 100, Strong$712.5M15.3%1.32%vs
Evergreen Federal BankBank Grants Pass, OR75 out of 100, Strong$621.6M13.2%0.63%vs
People's Bank of CommerceBank Medford, OR78 out of 100, Strong$776.7M15.3%0.90%vs
Citizens BankBank Corvallis, OR78 out of 100, Strong$823.4M13.9%0.04%vs
Oregon Pacific Banking Company dba Oregon Pacific BankBank Florence, OR74 out of 100, Strong$825.4M11.2%0.39%vs
Willamette Valley BankBank Salem, OR81 out of 100, Strong$465.4M17.0%0.22%vs

Deposit insurance

Is my money safe at First Federal Savings and Loan Association of McMinnville?

Yes. First Federal Savings and Loan Association of McMinnville is an FDIC-insured institution (FDIC certificate #29624). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.5% of deposits ($72.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.90%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.05% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

First Federal Savings and Loan Association of McMinnville lists 6 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Federal Savings and Loan Association of McMinnville
Former names
First Federal Savings and Loan Association
Type
Savings association
FDIC certificate #
29624
RSSD ID
90579
Primary regulator
OCC
Established
January 1, 1922
Headquarters
118 Ne 3rd St, Mcminnville, OR 97128
Employees
85

Quick answers

First Federal Savings and Loan Association of McMinnville: common questions

Is First Federal Savings and Loan Association of McMinnville FDIC insured?

Yes. First Federal Savings and Loan Association of McMinnville is an FDIC-insured institution (FDIC certificate #29624). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Federal Savings and Loan Association of McMinnville's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Federal Savings and Loan Association of McMinnville ever failed?

There is no failure record for FDIC certificate #29624 in the FDIC failed bank list.

How many branches does First Federal Savings and Loan Association of McMinnville have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mcminnville

InstitutionScoreAssetsCapitalProblem loansCompare
First Community Credit UnionCredit union Coquille, OR86 out of 100, Very strong$1.9B13.3%0.04%vs
Onpoint Community Credit UnionCredit union Portland, OR83 out of 100, Strong$9.5B15.0%0.98%vs
Willamette Valley BankBank Salem, OR81 out of 100, Strong$465.4M17.0%0.22%vs
Pioneer Trust Bank, National AssociationBank Salem, OR81 out of 100, Strong$712.5M15.3%1.32%vs
Nw Priority Credit UnionCredit union Portland, OR81 out of 100, Strong$247.7M17.1%1.10%vs
Citizens BankBank Corvallis, OR78 out of 100, Strong$823.4M13.9%0.04%vs