TellerScore

First Federal Savings of Middletown is a savings association headquartered in Middletown, New York, in business for about 138 years. At the end of Q2 2026 it reported $188.0M in total assets and $112.3M in deposits, with 1 office.

Based on its Q2 2026 filing, First Federal Savings of Middletown scores 89/100, which we describe as very strong. That is higher than 94% of 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 7th. Its strongest component is capital cushion (100/100; 36.94%), and its lowest is funding & liquidity (37/100; 133% loans-to-deposits, 27% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 36.94%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings94/100
Return on assets (annualized): 1.86%
Funding & liquidity37/100
Loans ÷ deposits and uninsured-deposit share: 132.6% · 26.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 (89 → 89).

TellerScore
838791Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202491
Q3 202488
Q4 202483
Q1 202589
Q2 202589
Q3 202589
Q4 202588
Q1 202688
Q2 202689
Tier 1 leverage ratio
5.00%20.99%36.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202436.03%
Q3 202435.95%
Q4 202435.49%
Q1 202535.67%
Q2 202536.25%
Q3 202536.87%
Q4 202536.97%
Q1 202636.91%
Q2 202636.94%
Noncurrent loans
0.00%0.24%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.48%
Q1 20250.22%
Q2 20250.23%
Q3 20250.23%
Q4 20250.23%
Q1 20260.23%
Q2 20260.00%
Return on assets
1.53%1.88%2.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.96%
Q3 20241.69%
Q4 20241.53%
Q1 20252.12%
Q2 20252.24%
Q3 20252.18%
Q4 20251.86%
Q1 20262.08%
Q2 20261.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$188.0M36.94%0.00%1.86%132.6%
Q1 202688$185.9M36.91%0.23%2.08%134.6%
Q4 202588$181.8M36.97%0.23%1.86%140.8%
Q3 202589$180.9M36.87%0.23%2.18%142.8%
Q2 202589$180.9M36.25%0.23%2.24%138.8%
Q1 202589$182.6M35.67%0.22%2.12%140.6%
Q4 202483$179.9M35.49%0.48%1.53%137.5%
Q3 202488$176.7M35.95%0.00%1.69%135.0%
Q2 202491$173.2M36.03%0.00%1.96%133.0%

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 ratio36.94%
99th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.46%
6th
Return on assets1.86%
83rd
Net interest margin5.13%
94th
Efficiency ratio45.7%
90th
Loans to deposits132.6%
1st
Uninsured deposits26.9%
39th
Loan-loss reserves1.04%
31st
Texas ratio0.0%
95th

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Savannah Bank National AssociationBank Savannah, NY66 out of 100, Moderate$187.2M8.9%0.23%vs
Bank of RichmondvilleBank Cobleskill, NY77 out of 100, Strong$185.9M11.5%0.18%vs
The Putnam County National Bank of CarmelBank Carmel, NY83 out of 100, Strong$182.7M26.8%0.48%vs
Gouverneur Savings and Loan AssociationBank Gouverneur, NY74 out of 100, Strong$198.9M14.5%1.00%vs
Massena Savings and LoanBank Massena, NY73 out of 100, Strong$199.9M15.1%1.30%vs
The First National Bank of DrydenBank Dryden, NY80 out of 100, Strong$203.9M13.5%0.93%vs

Deposit insurance

Is my money safe at First Federal Savings of Middletown?

Yes. First Federal Savings of Middletown is an FDIC-insured institution (FDIC certificate #28712). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.9% of deposits ($30.2M) 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 36.94%, 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 of Middletown lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Federal Savings of Middletown
Former names
First Federal Savings and Loan Association of Middletown
Type
Savings association
FDIC certificate #
28712
RSSD ID
565170
Primary regulator
OCC
Established
January 1, 1888
Headquarters
22 James St, Middletown, NY 10940
Employees
13

Quick answers

First Federal Savings of Middletown: common questions

Is First Federal Savings of Middletown FDIC insured?

Yes. First Federal Savings of Middletown is an FDIC-insured institution (FDIC certificate #28712). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Federal Savings of Middletown's TellerScore?

89 out of 100 (Very 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 of Middletown ever failed?

There is no failure record for FDIC certificate #28712 in the FDIC failed bank list.

How many branches does First Federal Savings of Middletown have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Middletown

InstitutionScoreAssetsCapitalProblem loansCompare
Jeff Bank, National AssociationBank Jeffersonville, NY95 out of 100, Very strong$686.2M14.9%0.37%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
International Bank of ChicagoBank Chicago, IL82 out of 100, Strong$982.7M12.5%0.05%vs
Orange Bank & Trust CompanyBank Middletown, NY73 out of 100, Strong$2.8B13.2%1.12%vs
Sing Sing Employees Federal Credit UnionCredit union Briarcliff Mano, NY73 out of 100, Strong$11.0M15.6%1.26%vs
Co-Operative Federal Credit UnionCredit union Woodridge, NY72 out of 100, Strong$3.3M23.2%1.08%vs