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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Evansville, IN · FDIC certificate #29056
FIRST FEDERAL SAVINGS BANK is an FDIC-insured institution based in Evansville, IN (FDIC certificate #29056). In its Q3 2026 Call Report it reported total assets of $582M, total deposits of $473M and net loans of $439M. Its primary federal regulator is FDIC.
Plain-language readout
FIRST FEDERAL SAVINGS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $582M in Q3 2026 and were lowest at $576M in Q2 2026.
Total deposits were highest at $473M in Q3 2026 and lowest at $458M in Q1 2026.
Over the whole period total assets rose 0.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $582M | $473M | $439M | 0.46% | 5.14% | 3.21% |
| Q2 2026 | $576M | $473M | $424M | 0.37% | 4.05% | 3.19% |
| Q1 2026 | $579M | $458M | $427M | 0.29% | 3.22% | 3.10% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $18.1M | $18.6M | -$586K | -3.1% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $87.1M | $87.1M | +$60K | +0.1% |
| Equity securities with readily determinable fair values, not held for trading | $855K | $1.0M | -$154K | -15.3% |
| Loans and leases held for sale | $2.9M | $1.2M | +$1.7M | +138.7% |
| Net loans and leases (after allowance) | $421.5M | $425.5M | -$4.0M | -0.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $12.1M | $12.3M | -$125K | -1.0% |
| Other real estate owned | $135K | $0K | +$135K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $88K | $88K | $0K | 0.0% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $8.1M | $8.1M | -$29K | -0.4% |
| All other assets | $24.7M | $25.1M | -$385K | -1.5% |
| Total assets | $575.6M | $579.0M | -$3.3M | -0.6% |
| Liabilities | ||||
| Total deposits | $472.8M | $458.0M | +$14.8M | +3.2% |
| Federal funds purchased | $5.0M | $4.0M | +$975K | +24.4% |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $40.0M | $60.0M | -$20.0M | -33.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.9M | $4.4M | -$556K | -12.5% |
| Total liabilities | $521.7M | $526.5M | -$4.8M | -0.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1K | $1K | $0K | 0.0% |
| Surplus | $32.4M | $32.4M | $0K | 0.0% |
| Retained earnings | $28.1M | $27.8M | +$269K | +1.0% |
| Accumulated other comprehensive income | -$6.5M | -$7.7M | +$1.2M | +15.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $53.9M | $52.5M | +$1.5M | +2.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.1M | $1.4M | -$262K | -18.6% |
| Adjusted nonperforming assets | $1.1M | $1.4M | -$262K | -18.6% |
| Tangible equity plus allowance | $50.8M | $49.3M | +$1.5M | +3.0% |
| Texas ratio (gross) | 2.25% | 2.85% | -0.60 pts | See points |
| Texas ratio (adjusted) | 2.25% | 2.85% | -0.60 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 14.08% | 8.18% | +5.90 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.54% | 9.38% | +0.16 pts | See points |
| Construction and land loans to total capital | 40.88% | 39.02% | +1.85 pts | See points |
| Commercial real estate to total capital | 122.08% | 128.62% | -6.54 pts | See points |
| Dividend payout, year to date | 69.84% | 86.65% | -16.81 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -15.11% | -17.96% | +2.85 pts | See points |
| Liquidity | ||||
| Core deposits | $382.5M | $349.3M | +$33.2M | +9.5% |
| Non-core funding | $135.3M | $172.8M | -$37.5M | -21.7% |
| Loans to core deposits | 111.49% | 123.23% | -11.74 pts | See points |
| Loans to deposits | 90.19% | 93.97% | -3.77 pts | See points |
| Brokered deposits share of deposits | 11.13% | 16.79% | -5.66 pts | See points |
| Pledged securities share of securities | 0.00% | 17.09% | -17.09 pts | See points |
| Loans pledged, share of loans | 63.58% | 62.61% | +0.98 pts | See points |
| Volatile liabilities | $145.2M | $182.2M | -$37.0M | -20.3% |
| Earnings | ||||
| Earnings before provision, year to date | $1.1M | $392K | +$696K | +177.6% |
| Earnings before provision, single quarter | $696K | $392K | +$304K | +77.6% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.07% | 5.97% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 2.84% | 2.87% | -0.03 pts | See points |
| Total interest income to average assets | 5.10% | 5.01% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 1.25% | 1.03% | +0.22 pts | See points |
| Cost of savings and money market deposits | 1.41% | 1.40% | +0.01 pts | See points |
| Cost of time deposits | 3.31% | 3.46% | -0.15 pts | See points |
| Total interest expense to average assets | 2.11% | 2.15% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $582M | $473M | $439M | 0.46% | 5.14% | 3.21% |
| 2026-06-30 | $576M | $473M | $424M | 0.37% | 4.05% | 3.19% |
| 2026-03-31 | $579M | $458M | $427M | 0.29% | 3.22% | 3.10% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IN | $488.1M | 0.23% | 51 | Continuing · +0.01 pp |
| KY | $3.5M | 0.00% | 154 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.