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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Middletown, NY · FDIC certificate #28712
FIRST FS OF MIDDLETOWN is an FDIC-insured institution based in Middletown, NY (FDIC certificate #28712). In its Q3 2026 Call Report it reported total assets of $190M, total deposits of $113M and net loans of $167M. Its primary federal regulator is OCC.
Reported facts
Deterministic ratios for FIRST FS OF MIDDLETOWN from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $113M |
|---|---|
| Net loans and leases | $167M |
Plain-language readout
FIRST FS OF MIDDLETOWN in Middletown, NY funds its loans with $113M of deposits and holds $167M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for FIRST FS OF MIDDLETOWN in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 148.27% in Q3 2026, against 134.62% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $167M | $113M | 148.27% |
| Q2 2026 | $149M | $112M | 132.60% |
| Q1 2026 | $150M | $111M | 134.62% |