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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Huntington, IN · FDIC certificate #29690
FIRST FEDERAL SAVINGS BANK is an FDIC-insured institution based in Huntington, IN (FDIC certificate #29690). In its Q3 2026 Call Report it reported total assets of $550M, total deposits of $462M and net loans of $406M. 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 $557M in Q1 2026 and were lowest at $550M in Q3 2026.
Total deposits were highest at $462M in Q3 2026 and lowest at $460M in Q2 2026.
Over the whole period total assets fell 1.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $550M | $462M | $406M | 1.34% | 13.83% | 3.82% |
| Q2 2026 | $554M | $460M | $413M | 1.27% | 13.21% | 3.77% |
| Q1 2026 | $557M | $460M | $422M | 1.17% | 12.25% | 3.68% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $15.9M | $10.0M | +$5.9M | +58.8% |
| 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) | $93.7M | $94.1M | -$460K | -0.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $386K | $1.0M | -$625K | -61.8% |
| Net loans and leases (after allowance) | $412.6M | $421.2M | -$8.6M | -2.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.5M | $8.6M | -$56K | -0.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $1.2M | $1.2M | +$5K | +0.4% |
| All other assets | $21.3M | $21.3M | -$22K | -0.1% |
| Total assets | $553.6M | $557.5M | -$3.9M | -0.7% |
| Liabilities | ||||
| Total deposits | $459.9M | $460.4M | -$550K | -0.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $35.0M | $39.5M | -$4.5M | -11.4% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.1M | $3.9M | +$205K | +5.3% |
| Total liabilities | $498.9M | $503.8M | -$4.8M | -1.0% |
| Equity | ||||
| Perpetual preferred stock | $110K | $110K | $0K | 0.0% |
| Common stock | $22K | $22K | $0K | 0.0% |
| Surplus | $13.9M | $13.9M | $0K | 0.0% |
| Retained earnings | $45.9M | $44.7M | +$1.2M | +2.8% |
| Accumulated other comprehensive income | -$5.0M | -$4.7M | -$321K | -6.8% |
| Other equity components | -$237K | -$266K | +$29K | +10.9% |
| Total equity capital | $54.6M | $53.7M | +$939K | +1.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $7.9M | $8.1M | -$246K | -3.0% |
| Adjusted nonperforming assets | $7.5M | $7.8M | -$246K | -3.2% |
| Tangible equity plus allowance | $60.3M | $59.3M | +$1.1M | +1.8% |
| Texas ratio (gross) | 13.08% | 13.73% | -0.65 pts | See points |
| Texas ratio (adjusted) | 12.44% | 13.08% | -0.64 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 16.59% | 17.44% | -0.84 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) | 10.46% | 10.27% | +0.19 pts | See points |
| Construction and land loans to total capital | 27.36% | 29.69% | -2.33 pts | See points |
| Commercial real estate to total capital | 196.89% | 215.22% | -18.34 pts | See points |
| Dividend payout, year to date | 38.46% | 41.41% | -2.96 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -13.44% | -12.88% | -0.56 pts | See points |
| Liquidity | ||||
| Core deposits | $327.3M | $316.1M | +$11.3M | +3.6% |
| Non-core funding | $167.5M | $183.9M | -$16.3M | -8.9% |
| Loans to core deposits | 128.16% | 135.42% | -7.26 pts | See points |
| Loans to deposits | 91.22% | 92.96% | -1.74 pts | See points |
| Brokered deposits share of deposits | 10.79% | 12.11% | -1.32 pts | See points |
| Pledged securities share of securities | 14.29% | 14.67% | -0.38 pts | See points |
| Loans pledged, share of loans | 41.95% | 42.82% | -0.87 pts | See points |
| Volatile liabilities | $167.5M | $183.9M | -$16.3M | -8.9% |
| Earnings | ||||
| Earnings before provision, year to date | $4.6M | $2.1M | +$2.5M | +116.5% |
| Earnings before provision, single quarter | $2.5M | $2.1M | +$353K | +16.5% |
| Provision for credit losses, year to date | $335K | $180K | +$155K | +86.1% |
| Yield and cost | ||||
| Yield on loans and leases | 6.70% | 6.51% | +0.19 pts | See points |
| Yield on interest-bearing balances due from banks | 0.59% | 2.04% | -1.45 pts | See points |
| Total interest income to average assets | 5.52% | 5.46% | +0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 0.47% | 0.46% | +0.01 pts | See points |
| Cost of savings and money market deposits | 1.96% | 1.84% | +0.11 pts | See points |
| Cost of time deposits | 3.88% | 3.93% | -0.05 pts | See points |
| Total interest expense to average assets | 2.01% | 2.09% | -0.07 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 | $550M | $462M | $406M | 1.34% | 13.83% | 3.82% |
| 2026-06-30 | $554M | $460M | $413M | 1.27% | 13.21% | 3.77% |
| 2026-03-31 | $557M | $460M | $422M | 1.17% | 12.25% | 3.68% |
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 | $457.1M | 0.22% | 56 | Continuing · +0.02 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.