TellerScore

Headquartered in Belpre, Ohio, First Mutual Bank, FSB is a savings bank with $109.9M in total assets and $90.6M in deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1906.

First Mutual Bank, FSB has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 117th. Problem-loan coverage contributes the most (93/100, 3.3%); earnings contributes the least (32/100, 0.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.60%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.55%
Earnings32/100
Return on assets (annualized): 0.29%
Funding & liquidity86/100
Loans ÷ deposits and uninsured-deposit share: 74.3% · 11.9% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.29%

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 (62 → 63).

TellerScore
525863Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202454
Q4 202460
Q1 202561
Q2 202562
Q3 202563
Q4 202559
Q1 202658
Q2 202663
Tier 1 leverage ratio
5.00%7.30%9.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.21%
Q3 20247.47%
Q4 20248.93%
Q1 20259.20%
Q2 20259.41%
Q3 20259.57%
Q4 20259.44%
Q1 20269.51%
Q2 20269.60%
Noncurrent loans
0.42%0.66%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.73%
Q3 20240.60%
Q4 20240.42%
Q1 20250.73%
Q2 20250.49%
Q3 20250.48%
Q4 20250.90%
Q1 20260.90%
Q2 20260.55%
Return on assets
0.05%0.23%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.05%
Q3 20240.05%
Q4 20240.08%
Q1 20250.42%
Q2 20250.32%
Q3 20250.27%
Q4 20250.27%
Q1 20260.19%
Q2 20260.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$109.9M9.60%0.55%0.29%74.3%
Q1 202658$110.4M9.51%0.90%0.19%74.1%
Q4 202559$112.5M9.44%0.90%0.27%75.4%
Q3 202563$110.1M9.57%0.48%0.27%78.9%
Q2 202562$110.3M9.41%0.49%0.32%80.1%
Q1 202561$111.3M9.20%0.73%0.42%76.3%
Q4 202460$111.6M8.93%0.42%0.08%78.1%
Q3 202454$113.3M7.47%0.60%0.05%75.4%
Q2 202452$139.2M7.21%0.73%0.05%73.5%

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 ratio9.60%
23rd
Total risk-based capital19.61%
86th
Problem loans0.55%
43rd
Net charge-offs0.08%
22nd
Return on assets0.29%
7th
Net interest margin2.79%
6th
Efficiency ratio86.8%
8th
Loans to deposits74.3%
61st
Uninsured deposits11.9%
90th
Loan-loss reserves0.76%
10th
Texas ratio3.3%
46th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The Peoples Savings and Loan CompanyBank West Liberty, OH63 out of 100, Moderate$109.9M9.0%0.14%vs
Warsaw Federal Savings and Loan AssociationBank Cincinnati, OH53 out of 100, Below average$108.5M12.1%1.30%vs
The Bank of Magnolia CompanyBank Magnolia, OH89 out of 100, Very strong$107.8M13.0%0.12%vs
The Sherwood State BankBank Sherwood, OH55 out of 100, Moderate$107.5M12.3%2.36%vs
Spring Valley BankBank Wyoming, OH89 out of 100, Very strong$113.6M34.1%0.43%vs
The National Bank of Adams County of West UnionBank West Union, OH68 out of 100, Moderate$114.7M10.8%2.10%vs

Deposit insurance

Is my money safe at First Mutual Bank, FSB?

Yes. First Mutual Bank, FSB is an FDIC-insured institution (FDIC certificate #29617). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.9% of deposits ($10.8M) 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 9.60%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.61% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

First Mutual Bank, FSB lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Mutual Bank, FSB
Former names
Doolin Security Savings Bank, FSB; Doolin Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
29617
RSSD ID
493077
Primary regulator
OCC
Holding company
First Mutual Holding Co
Established
January 1, 1906
Headquarters
605 Washington Blvd, Belpre, OH 45714
Employees
21

Quick answers

First Mutual Bank, FSB: common questions

Is First Mutual Bank, FSB FDIC insured?

Yes. First Mutual Bank, FSB is an FDIC-insured institution (FDIC certificate #29617). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Mutual Bank, FSB's TellerScore?

63 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 Mutual Bank, FSB ever failed?

There is no failure record for FDIC certificate #29617 in the FDIC failed bank list.

How many branches does First Mutual Bank, FSB have?

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

Nearby

Highest-scoring banks and credit unions with branches near Belpre

InstitutionScoreAssetsCapitalProblem loansCompare
The Settlers BankBank Marietta, OH94 out of 100, Very strong$142.4M16.2%0.18%vs
First Bank of OhioBank Tiffin, OH90 out of 100, Very strong$278.4M35.5%0.26%vs
The Citizens Bank CompanyBank Beverly, OH86 out of 100, Very strong$334.6M13.6%0.39%vs
Union Trades Federal Credit UnionCredit union Parkersburg, WV84 out of 100, Strong$34.4M18.4%0.92%vs
The Waterford Commercial and Savings BankBank Waterford, OH83 out of 100, Strong$60.0M13.6%0.09%vs
Southeastern Ohio Credit UnionCredit union Cambridge, OH78 out of 100, Strong$65.4M12.1%1.03%vs