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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Rochester, IN · FDIC certificate #31516
FIRST FEDERAL SAVINGS BANK is an FDIC-insured institution based in Rochester, IN (FDIC certificate #31516). In its Q3 2026 Call Report it reported total assets of $700M, total deposits of $546M and net loans of $593M. Its primary federal regulator is OCC.
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 $700M in Q3 2026 and were lowest at $687M in Q2 2026.
Total deposits were highest at $555M in Q1 2026 and lowest at $540M in Q2 2026.
Over the whole period total assets rose 1.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $700M | $546M | $593M | 0.87% | 9.70% | 3.46% |
| Q2 2026 | $687M | $540M | $588M | 0.97% | 10.85% | 3.48% |
| Q1 2026 | $690M | $555M | $586M | 0.83% | 9.29% | 3.38% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $19.7M | $22.4M | -$2.7M | -11.9% |
| 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) | $18.0M | $17.7M | +$307K | +1.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $11.7M | $8.7M | +$3.0M | +34.7% |
| Net loans and leases (after allowance) | $576.2M | $577.5M | -$1.3M | -0.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $13.3M | $12.7M | +$649K | +5.1% |
| Other real estate owned | $154K | $0K | +$154K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $722K | $722K | $0K | 0.0% |
| Direct and indirect investments in real estate ventures | $9.0M | $9.2M | -$228K | -2.5% |
| Intangible assets (goodwill, servicing, other) | $4.9M | $4.9M | +$6K | +0.1% |
| All other assets | $32.9M | $36.5M | -$3.6M | -9.9% |
| Total assets | $686.6M | $690.3M | -$3.7M | -0.5% |
| Liabilities | ||||
| Total deposits | $540.4M | $555.4M | -$15.0M | -2.7% |
| 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 | $75.0M | $65.0M | +$10.0M | +15.4% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $8.0M | $8.9M | -$861K | -9.7% |
| Total liabilities | $623.5M | $629.3M | -$5.8M | -0.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $130K | $130K | $0K | 0.0% |
| Surplus | $2.2M | $2.2M | $0K | 0.0% |
| Retained earnings | $62.5M | $60.7M | +$1.8M | +3.0% |
| Accumulated other comprehensive income | -$1.6M | -$1.9M | +$299K | +15.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $63.2M | $61.1M | +$2.1M | +3.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $5.7M | $5.6M | +$97K | +1.7% |
| Adjusted nonperforming assets | $4.4M | $4.1M | +$253K | +6.2% |
| Tangible equity plus allowance | $64.3M | $62.2M | +$2.1M | +3.4% |
| Texas ratio (gross) | 8.87% | 9.02% | -0.15 pts | See points |
| Texas ratio (adjusted) | 6.78% | 6.61% | +0.17 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | 13.57% | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | 13.57% | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | 1.25% | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | 14.82% | Not reported | See points |
| Tier 1 leverage (approximate) | 9.31% | 9.21% | +0.09 pts | See points |
| Construction and land loans to total capital | 77.30% | 66.54% | +10.76 pts | See points |
| Commercial real estate to total capital | 173.03% | 163.50% | +9.52 pts | See points |
| Dividend payout, year to date | 7.81% | 9.24% | -1.43 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.16% | -3.86% | +0.69 pts | See points |
| Liquidity | ||||
| Core deposits | $431.2M | $424.6M | +$6.6M | +1.6% |
| Non-core funding | $184.2M | $195.8M | -$11.6M | -5.9% |
| Loans to core deposits | 135.03% | 137.45% | -2.42 pts | See points |
| Loans to deposits | 107.75% | 105.08% | +2.67 pts | See points |
| Brokered deposits share of deposits | 8.37% | 11.84% | -3.47 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 51.62% | 54.35% | -2.73 pts | See points |
| Volatile liabilities | $184.2M | $195.8M | -$11.6M | -5.9% |
| Earnings | ||||
| Earnings before provision, year to date | $3.9M | $1.6M | +$2.3M | +149.3% |
| Earnings before provision, single quarter | $2.3M | $1.6M | +$773K | +49.3% |
| Provision for credit losses, year to date | -$10K | -$65K | +$55K | +84.6% |
| Yield and cost | ||||
| Yield on loans and leases | 5.62% | 5.44% | +0.18 pts | See points |
| Yield on interest-bearing balances due from banks | 3.23% | 3.13% | +0.10 pts | See points |
| Total interest income to average assets | 5.06% | 4.97% | +0.10 pts | See points |
| Cost of interest-bearing transaction accounts | 0.53% | 0.41% | +0.13 pts | See points |
| Cost of savings and money market deposits | 0.00% | 11.76% | -11.76 pts | See points |
| Cost of time deposits | 3.75% | 3.82% | -0.06 pts | See points |
| Total interest expense to average assets | 1.88% | 1.91% | -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 | $700M | $546M | $593M | 0.87% | 9.70% | 3.46% |
| 2026-06-30 | $687M | $540M | $588M | 0.97% | 10.85% | 3.48% |
| 2026-03-31 | $690M | $555M | $586M | 0.83% | 9.29% | 3.38% |
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 | $477M | 0.22% | 53 | Continuing · -0.01 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.