TellerScore

First Federal Savings Bank (FDIC certificate #29056) is based in Evansville, Indiana. Its Q2 2026 call report shows $575.6M in total assets and $472.8M in deposits and 10 offices across 2 states.

Based on its Q2 2026 filing, First Federal Savings Bank scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 57th. Its strongest component is problem-loan coverage (96/100; 1.9%), and its lowest is earnings (35/100; 0.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.54%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.24%
Earnings35/100
Return on assets (annualized): 0.37%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 89.8% · 31.0% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.95%

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 (58 → 61), mostly because the funding & liquidity component weakened by 13 points.

TellerScore
405161Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202444
Q4 202440
Q1 202543
Q2 202558
Q3 202559
Q4 202560
Q1 202660
Q2 202661
Tier 1 leverage ratio
5.00%7.27%9.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.22%
Q3 20248.36%
Q4 20248.41%
Q1 20258.80%
Q2 20258.95%
Q3 20258.92%
Q4 20258.96%
Q1 20269.38%
Q2 20269.54%
Noncurrent loans
0.22%1.11%2.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.38%
Q3 20241.60%
Q4 20242.01%
Q1 20251.87%
Q2 20250.42%
Q3 20250.29%
Q4 20250.22%
Q1 20260.33%
Q2 20260.24%
Return on assets
0.18%0.27%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.26%
Q3 20240.31%
Q4 20240.32%
Q1 20250.18%
Q2 20250.22%
Q3 20250.29%
Q4 20250.36%
Q1 20260.29%
Q2 20260.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$575.6M9.54%0.24%0.37%89.8%
Q1 202660$579.0M9.38%0.33%0.29%93.2%
Q4 202560$605.0M8.96%0.22%0.36%92.1%
Q3 202559$608.6M8.92%0.29%0.29%91.1%
Q2 202558$605.1M8.95%0.42%0.22%90.8%
Q1 202543$605.1M8.80%1.87%0.18%93.0%
Q4 202440$622.5M8.41%2.01%0.32%99.2%
Q3 202444$635.2M8.36%1.60%0.31%100.9%
Q2 202455$634.7M8.22%0.38%0.26%101.4%

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 ratio9.54%
22nd
Total risk-based capital0.00%
24th
Problem loans0.24%
62nd
Net charge-offs0.01%
48th
Return on assets0.37%
9th
Net interest margin3.19%
16th
Efficiency ratio89.4%
6th
Loans to deposits89.8%
27th
Uninsured deposits31.0%
25th
Loan-loss reserves1.15%
45th
Texas ratio1.9%
58th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Freedom BankBank Huntingburg, IN82 out of 100, Strong$585.7M12.6%0.23%vs
First Federal Savings BankBank Huntington, IN54 out of 100, Below average$553.6M10.5%1.88%vs
Community State BankBank Avilla, IN63 out of 100, Moderate$553.6M9.5%0.48%vs
The Friendship State BankBank Friendship, IN66 out of 100, Moderate$543.8M8.8%0.37%vs
Crossroads BankBank Wabash, IN57 out of 100, Moderate$616.1M9.5%1.41%vs
DeMotte State BankBank Demotte, IN54 out of 100, Below average$622.0M11.9%3.55%vs

Deposit insurance

Is my money safe at First Federal Savings Bank?

Yes. First Federal Savings Bank is an FDIC-insured institution (FDIC certificate #29056). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.0% of deposits ($146.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.54%, 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

10 locations

Branches

First Federal Savings Bank lists 10 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Federal Savings Bank reported 206 home-loan applications under HMDA (LEI 549300MTH7LUU0OHYB47): 160 originated ($32,240,000 total), 15 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.7%, 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 Bank
Former names
First Federal Savings and Loan Association of Evansville
Type
State-chartered bank
FDIC certificate #
29056
RSSD ID
613679
Primary regulator
FDIC
Holding company
First Bcorp of Indiana Inc
Established
July 1, 1934
Headquarters
5001 Davis Lant Dr, Evansville, IN 47715
Employees
125

Quick answers

First Federal Savings Bank: common questions

Is First Federal Savings Bank FDIC insured?

Yes. First Federal Savings Bank is an FDIC-insured institution (FDIC certificate #29056). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Federal Savings Bank's TellerScore?

61 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 Bank ever failed?

There is no failure record for FDIC certificate #29056 in the FDIC failed bank list.

How many branches does First Federal Savings Bank have?

10 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Evansville

InstitutionScoreAssetsCapitalProblem loansCompare
Green River Area Federal Credit UnionCredit union Owensboro, KY89 out of 100, Very strong$60.3M20.7%0.53%vs
Owensboro Federal Credit UnionCredit union Owensboro, KY88 out of 100, Very strong$88.3M14.2%0.26%vs
Freedom BankBank Huntingburg, IN82 out of 100, Strong$585.7M12.6%0.23%vs
Evansville Firefighters Federal Credit UnionCredit union Evansville, IN81 out of 100, Strong$33.8M12.4%0.00%vs
Diamond Valley Federal Credit UnionCredit union Evansville, IN78 out of 100, Strong$178.8M12.9%0.72%vs
Heritage Federal Credit UnionCredit union Newburgh, IN77 out of 100, Strong$1.0B12.3%0.33%vs