Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Belpre, OH · FDIC certificate #29617
FIRST MUTUAL BANK FSB is an FDIC-insured institution based in Belpre, OH (FDIC certificate #29617). In its Q3 2026 Call Report it reported total assets of $108M, total deposits of $89M and net loans of $69M. Its primary federal regulator is OCC.
Plain-language readout
FIRST MUTUAL BANK FSB has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $110M in Q1 2026 and were lowest at $108M in Q3 2026.
Total deposits were highest at $91M in Q1 2026 and lowest at $89M in Q3 2026.
Over the whole period total assets fell 2.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $108M | $89M | $69M | 0.34% | 3.51% | 2.79% |
| Q2 2026 | $110M | $91M | $67M | 0.29% | 3.04% | 2.79% |
| Q1 2026 | $110M | $91M | $68M | 0.19% | 2.02% | 2.74% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.5M | $8.5M | -$20K | -0.2% |
| 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) | $23.5M | $23.6M | -$144K | -0.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $67.4M | $67.7M | -$297K | -0.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.8M | $1.8M | -$28K | -1.5% |
| 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) | $3.9M | $3.9M | -$1K | -0.0% |
| All other assets | $4.9M | $4.9M | -$36K | -0.7% |
| Total assets | $109.9M | $110.4M | -$526K | -0.5% |
| Liabilities | ||||
| Total deposits | $90.6M | $91.3M | -$711K | -0.8% |
| 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 | $8.0M | $8.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $481K | $419K | +$62K | +14.8% |
| Total liabilities | $99.1M | $99.8M | -$649K | -0.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1K | $1K | $0K | 0.0% |
| Surplus | $14.6M | $14.6M | $0K | 0.0% |
| Retained earnings | -$153K | -$262K | +$109K | +41.6% |
| Accumulated other comprehensive income | -$3.7M | -$3.7M | +$14K | +0.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $10.8M | $10.7M | +$123K | +1.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $372K | $614K | -$242K | -39.4% |
| Adjusted nonperforming assets | $372K | $614K | -$242K | -39.4% |
| Tangible equity plus allowance | $7.4M | $7.3M | +$124K | +1.7% |
| Texas ratio (gross) | 5.04% | 8.46% | -3.42 pts | See points |
| Texas ratio (adjusted) | 5.04% | 8.46% | -3.42 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 18.65% | 18.50% | +0.15 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 18.65% | 18.50% | +0.15 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.96% | 0.96% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 19.61% | 19.47% | +0.14 pts | See points |
| Tier 1 leverage (approximate) | 9.60% | 9.51% | +0.09 pts | See points |
| Construction and land loans to total capital | 15.84% | 12.53% | +3.32 pts | See points |
| Commercial real estate to total capital | 49.85% | 47.12% | +2.73 pts | See points |
| Dividend payout, year to date | 26.99% | 81.48% | -54.49 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -44.22% | -44.85% | +0.63 pts | See points |
| Liquidity | ||||
| Core deposits | $87.5M | $87.4M | +$33K | +0.0% |
| Non-core funding | $11.1M | $11.9M | -$744K | -6.3% |
| Loans to core deposits | 77.60% | 77.97% | -0.37 pts | See points |
| Loans to deposits | 74.91% | 74.66% | +0.26 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 82.01% | 82.98% | -0.97 pts | See points |
| Volatile liabilities | $11.1M | $11.9M | -$744K | -6.3% |
| Earnings | ||||
| Earnings before provision, year to date | $210K | $80K | +$130K | +162.5% |
| Earnings before provision, single quarter | $130K | $80K | +$50K | +62.5% |
| Provision for credit losses, year to date | $19K | $20K | -$1K | -5.0% |
| Yield and cost | ||||
| Yield on loans and leases | 4.76% | 4.64% | +0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 3.40% | 3.35% | +0.05 pts | See points |
| Total interest income to average assets | 3.56% | 3.48% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.06% | 0.06% | +0.00 pts | See points |
| Cost of savings and money market deposits | 0.47% | 0.30% | +0.17 pts | See points |
| Cost of time deposits | 3.11% | 3.17% | -0.07 pts | See points |
| Total interest expense to average assets | 1.12% | 1.10% | +0.02 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 | $108M | $89M | $69M | 0.34% | 3.51% | 2.79% |
| 2026-06-30 | $110M | $91M | $67M | 0.29% | 3.04% | 2.79% |
| 2026-03-31 | $110M | $91M | $68M | 0.19% | 2.02% | 2.74% |
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 |
|---|---|---|---|---|
| WV | $56.6M | 0.12% | 61 | Continuing · -0.01 pp |
| OH | $31.3M | 0.01% | 178 | 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.