TellerScore

Headquartered in Huntington, Indiana, First Federal Savings Bank is a state-chartered bank with $553.6M in total assets and $459.9M in deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1932.

Based on its Q2 2026 filing, First Federal Savings Bank scores 54/100, which we describe as below average. That is higher than only 10% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 77th. Its strongest component is problem-loan coverage (74/100; 12.8%), and its lowest is loan quality (37/100; 1.88%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.46%
Loan quality37/100
Noncurrent loans ÷ total loans: 1.88%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity43/100
Loans ÷ deposits and uninsured-deposit share: 89.8% · 39.7% uninsured
Problem-loan coverage74/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.83%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (54 → 54).

TellerScore
525761Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202458
Q4 202456
Q1 202561
Q2 202554
Q3 202557
Q4 202558
Q1 202652
Q2 202654
Tier 1 leverage ratio
5.00%7.73%10.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.34%
Q3 202410.25%
Q4 202410.08%
Q1 202510.07%
Q2 20259.98%
Q3 20259.89%
Q4 202510.10%
Q1 202610.27%
Q2 202610.46%
Noncurrent loans
0.67%1.28%1.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.49%
Q3 20241.16%
Q4 20241.27%
Q1 20250.67%
Q2 20251.45%
Q3 20251.18%
Q4 20251.26%
Q1 20261.90%
Q2 20261.88%
Return on assets
0.81%1.04%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20240.91%
Q4 20240.87%
Q1 20250.81%
Q2 20251.02%
Q3 20251.12%
Q4 20251.17%
Q1 20261.17%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$553.6M10.46%1.88%1.27%89.8%
Q1 202652$557.5M10.27%1.90%1.17%91.7%
Q4 202558$559.0M10.10%1.26%1.17%92.9%
Q3 202557$558.8M9.89%1.18%1.12%93.1%
Q2 202554$556.6M9.98%1.45%1.02%92.8%
Q1 202561$542.4M10.07%0.67%0.81%93.1%
Q4 202456$522.1M10.08%1.27%0.87%90.6%
Q3 202458$519.6M10.25%1.16%0.91%91.3%
Q2 202455$511.1M10.34%1.49%0.95%91.6%

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 ratio10.46%
40th
Total risk-based capital0.00%
24th
Problem loans1.88%
14th
Net charge-offs0.03%
36th
Return on assets1.27%
52nd
Net interest margin3.77%
40th
Efficiency ratio57.4%
65th
Loans to deposits89.8%
27th
Uninsured deposits39.7%
11th
Loan-loss reserves1.64%
86th
Texas ratio12.8%
13th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
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
First Federal Savings BankBank Evansville, IN61 out of 100, Moderate$575.6M9.5%0.24%vs
Freedom BankBank Huntingburg, IN82 out of 100, Strong$585.7M12.6%0.23%vs
The Peoples State BankBank Ellettsville, IN78 out of 100, Strong$506.6M10.5%0.19%vs
The Napoleon State BankBank Napoleon, IN70 out of 100, Strong$499.2M11.1%1.10%vs

Deposit insurance

Is my money safe at First Federal Savings Bank?

Yes. First Federal Savings Bank is an FDIC-insured institution (FDIC certificate #29690). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 39.7% of deposits ($182.5M) 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 10.46%, 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

9 locations

Branches

First Federal Savings Bank lists 9 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Federal Savings Bank reported 213 home-loan applications under HMDA (LEI 549300RMPGD5KKS1RR35): 185 originated ($38,235,000 total), 12 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.0%, 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 Huntington
Type
State-chartered bank
FDIC certificate #
29690
RSSD ID
107570
Primary regulator
FDIC
Holding company
Northeast Indiana Bcorp Inc
Established
January 1, 1932
Headquarters
648 N Jefferson St, Huntington, IN 46750
Employees
96

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 #29690). 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?

54 out of 100 (Below average), 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 #29690 in the FDIC failed bank list.

How many branches does First Federal Savings Bank have?

9 offices as of the latest FDIC data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Weatherhead C C Federal Credit UnionCredit union Columbia City, IN88 out of 100, Very strong$25.0M13.7%0.95%vs