TellerScore

Headquartered in Olathe, Kansas, First Federal Savings and Loan Bank is a state-chartered bank with $109.5M in total assets and $91.8M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1923.

Based on its Q2 2026 filing, First Federal Savings and Loan Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 102nd. Its strongest component is earnings (100/100; 3.31%), and its lowest is loan quality (57/100; 1.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Tier 1 leverage ratio: 12.27%
Loan quality57/100
Noncurrent loans ÷ total loans: 1.28%
Earnings100/100
Return on assets (annualized): 3.31%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 93.4% · 18.6% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.74%

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 9 points (65 → 74), mostly because the problem-loan coverage component improved by 16 points.

TellerScore
646974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202464
Q4 202464
Q1 202572
Q2 202565
Q3 202566
Q4 202567
Q1 202674
Q2 202674
Tier 1 leverage ratio
5.00%9.10%13.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.20%
Q3 202412.25%
Q4 202412.08%
Q1 202511.77%
Q2 202511.32%
Q3 202511.38%
Q4 202511.95%
Q1 202612.22%
Q2 202612.27%
Noncurrent loans
1.17%1.68%2.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.19%
Q3 20242.09%
Q4 20242.09%
Q1 20251.17%
Q2 20251.75%
Q3 20251.74%
Q4 20251.80%
Q1 20261.28%
Q2 20261.28%
Return on assets
3.31%3.73%4.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.67%
Q3 20243.80%
Q4 20243.74%
Q1 20254.14%
Q2 20253.71%
Q3 20253.56%
Q4 20253.40%
Q1 20263.45%
Q2 20263.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$109.5M12.27%1.28%3.31%93.4%
Q1 202674$109.8M12.22%1.28%3.45%95.4%
Q4 202567$108.9M11.95%1.80%3.40%98.8%
Q3 202566$113.4M11.38%1.74%3.56%97.2%
Q2 202565$116.5M11.32%1.75%3.71%93.9%
Q1 202572$117.9M11.77%1.17%4.14%97.9%
Q4 202464$114.0M12.08%2.09%3.74%103.0%
Q3 202464$111.6M12.25%2.09%3.80%103.1%
Q2 202467$110.8M13.20%2.19%3.67%104.5%

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 ratio12.27%
68th
Total risk-based capital0.00%
24th
Problem loans1.28%
22nd
Net charge-offs0.00%
68th
Return on assets3.31%
99th
Net interest margin4.82%
89th
Efficiency ratio27.8%
99th
Loans to deposits93.4%
19th
Uninsured deposits18.6%
69th
Loan-loss reserves1.17%
47th
Texas ratio7.7%
24th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The First State Bank of HealyBank Healy, KS82 out of 100, Strong$108.8M16.8%0.89%vs
Bank of Commerce and Trust CompanyBank Wellington, KS56 out of 100, Moderate$112.8M8.8%1.17%vs
First National Bank of KansasBank Burlington, KS67 out of 100, Moderate$105.6M9.1%0.14%vs
Exchange State BankBank Saint Paul, KS84 out of 100, Strong$105.0M11.6%0.00%vs
First National Bank in FredoniaBank Fredonia, KS87 out of 100, Very strong$104.4M16.7%0.63%vs
Home Savings BankBank Chanute, KS86 out of 100, Very strong$115.1M16.7%0.12%vs

Deposit insurance

Is my money safe at First Federal Savings and Loan Bank?

Yes. First Federal Savings and Loan Bank is an FDIC-insured institution (FDIC certificate #28635). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.6% of deposits ($17.1M) 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 12.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

First Federal Savings and Loan Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Federal Savings and Loan Bank reported 103 home-loan applications under HMDA (LEI 5493008HZMBEJQEY0J72): 85 originated ($14,405,000 total), 9 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Federal Savings and Loan Bank
Former names
First Federal Savings and Loan Association; First Federal Savings and Loan Association of Olathe
Type
State-chartered bank
FDIC certificate #
28635
RSSD ID
198073
Primary regulator
FDIC
Holding company
First Fed of Olathe Bcorp Inc
Established
January 1, 1923
Headquarters
700 E Santa Fe St, Olathe, KS 66061
Employees
7

Quick answers

First Federal Savings and Loan Bank: common questions

Is First Federal Savings and Loan Bank FDIC insured?

Yes. First Federal Savings and Loan Bank is an FDIC-insured institution (FDIC certificate #28635). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Federal Savings and Loan Bank's TellerScore?

74 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 Bank ever failed?

There is no failure record for FDIC certificate #28635 in the FDIC failed bank list.

How many branches does First Federal Savings and Loan Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Olathe

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers Bank & TrustBank Great Bend, KS96 out of 100, Very strong$1.1B24.0%0.19%vs
Comanche County Federal Credit UnionCredit union Lawton, OK96 out of 100, Very strong$36.4M18.8%0.00%vs
K.U.M.C. Credit UnionCredit union Shawnee, KS95 out of 100, Very strong$31.4M13.8%0.04%vs
The Bank of Grain ValleyBank Grain Valley, MO95 out of 100, Very strong$110.6M24.0%0.00%vs
National Advisors Trust CompanyBank Leawood, KS94 out of 100, Very strong$21.6M83.7%0.00%vs
Reliance Credit UnionCredit union Kansas City, KS93 out of 100, Very strong$25.1M16.4%0.30%vs