TellerScore

First Federal Savings & Loan Association of Ravenswood is a savings bank headquartered in Ravenswood, West Virginia, in business for about 92 years. At the end of Q2 2026 it reported $26.3M in total assets and $23.5M in deposits, with 1 office.

Based on its Q2 2026 filing, First Federal Savings & Loan Association of Ravenswood scores 58/100, which we describe as moderate. That is higher than only 17% of 546 banks with under $100 million in assets. Among 40 banks headquartered in West Virginia, it ranks 35th. Its strongest component is problem-loan coverage (85/100; 7.6%), and its lowest is earnings (32/100; 0.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.43%
Loan quality63/100
Noncurrent loans ÷ total loans: 1.11%
Earnings32/100
Return on assets (annualized): 0.30%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 83.4% · 3.5% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.57%

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 fell 2 points (60 → 58), mostly because the loan quality component weakened by 9 points.

TellerScore
535863Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202458
Q3 202458
Q4 202458
Q1 202553
Q2 202560
Q3 202563
Q4 202563
Q1 202657
Q2 202658
Tier 1 leverage ratio
5.00%7.91%10.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.83%
Q3 202410.79%
Q4 202410.78%
Q1 202510.59%
Q2 202510.51%
Q3 202510.42%
Q4 202510.22%
Q1 202610.12%
Q2 202610.43%
Noncurrent loans
0.52%0.98%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.87%
Q3 20240.87%
Q4 20240.89%
Q1 20251.45%
Q2 20250.85%
Q3 20250.52%
Q4 20250.52%
Q1 20261.10%
Q2 20261.11%
Return on assets
-0.03%0.13%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.02%
Q3 2024-0.02%
Q4 2024-0.03%
Q1 20250.00%
Q2 20250.15%
Q3 20250.21%
Q4 20250.22%
Q1 20260.24%
Q2 20260.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$26.3M10.43%1.11%0.30%83.4%
Q1 202657$27.1M10.12%1.10%0.24%81.4%
Q4 202563$27.0M10.22%0.52%0.22%83.4%
Q3 202563$26.3M10.42%0.52%0.21%84.6%
Q2 202560$25.7M10.51%0.85%0.15%86.1%
Q1 202553$25.3M10.59%1.45%0.00%87.4%
Q4 202458$25.0M10.78%0.89%-0.03%88.5%
Q3 202458$24.6M10.79%0.87%-0.02%92.6%
Q2 202458$24.8M10.83%0.87%0.02%93.3%

546 peers · Under $100 million in assets

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 ratio10.43%
23rd
Total risk-based capital24.10%
80th
Problem loans1.11%
32nd
Net charge-offs0.00%
58th
Return on assets0.30%
21st
Net interest margin2.28%
5th
Efficiency ratio82.7%
26th
Loans to deposits83.4%
24th
Uninsured deposits3.5%
96th
Loan-loss reserves0.57%
9th
Texas ratio7.6%
25th

Similar-size banks in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Bank of Morgantown, Inc.Bank Morgantown, WV87 out of 100, Very strong$52.6M18.8%0.09%vs
The Pleasants County BankBank Saint Marys, WV71 out of 100, Strong$84.7M9.4%0.00%vs
The First National Bank of PeterstownBank Peterstown, WV77 out of 100, Strong$84.9M13.9%1.47%vs

Deposit insurance

Is my money safe at First Federal Savings & Loan Association of Ravenswood?

Yes. First Federal Savings & Loan Association of Ravenswood is an FDIC-insured institution (FDIC certificate #29490). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 3.5% of deposits ($823K) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.43%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.10% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

First Federal Savings & Loan Association of Ravenswood lists 1 office in 1 city. Most locations:

  • Ravenswood, WV (1)

All branch addresses and map

Identity & history

Profile

Legal name
First Federal Savings & Loan Association of Ravenswood
Former names
First FS & LA of Ravenswood; First Federal Savings and Loan Association of Ravenswood; First Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
29490
RSSD ID
441470
Primary regulator
OCC
Established
January 1, 1934
Headquarters
712 Washington St, Ravenswood, WV 26164
Employees
3

Quick answers

First Federal Savings & Loan Association of Ravenswood: common questions

Is First Federal Savings & Loan Association of Ravenswood FDIC insured?

Yes. First Federal Savings & Loan Association of Ravenswood is an FDIC-insured institution (FDIC certificate #29490). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Federal Savings & Loan Association of Ravenswood's TellerScore?

58 out of 100 (Moderate), 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 & Loan Association of Ravenswood ever failed?

There is no failure record for FDIC certificate #29490 in the FDIC failed bank list.

How many branches does First Federal Savings & Loan Association of Ravenswood have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ravenswood

InstitutionScoreAssetsCapitalProblem loansCompare
Kyger Creek Credit UnionCredit union Cheshire, OH84 out of 100, Strong$20.9M18.9%0.60%vs
Union Trades Federal Credit UnionCredit union Parkersburg, WV84 out of 100, Strong$34.4M18.4%0.92%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
The Hocking Valley BankBank Athens, OH77 out of 100, Strong$354.0M11.4%0.54%vs
West Virginia Central Federal Credit UnionCredit union Parkersburg, WV76 out of 100, Strong$341.3M13.2%0.87%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs