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First Federal Savings And Loan Association
Delta, OH · FDIC Certificate #29345 · Chartered 01/0
Total assets
$246.03M
Total deposits
$205.86M
Total equity
$39.20M
Net loans
$114.95M
Branches (offices)
6
Net income (YTD)
$1.31M
Rank: #2,737 of 4,213 U.S. banks by assets · #91 of 155 in Ohio. Assets changed 3.2% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.07% |
| Return on equity | 6.79% |
| Net interest margin (YTD) | 3.75% |
| Equity to assets | 15.93% |
| Tier 1 leverage ratio | 16.48% |
| Uninsured deposits (share of deposits) | 3.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 55.8% |
| Real estate loans (share of loans) | 95.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $110.17M | 95.8% | |
| Commercial & industrial | $3.69M | 3.2% | |
| Consumer / individual | $1.66M | 1.4% | |
| Construction & development | $6.21M | 5.4% | |
| Agricultural | $155.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $229.28M | $204.10M | $287.00K | $24.49M |
| Jun 2023 | $226.45M | $196.53M | $1.05M | $29.21M |
| Jun 2024 | $227.36M | $194.18M | $1.07M | $32.51M |
| Jun 2025 | $238.44M | $201.69M | $1.08M | $35.90M |
| Jun 2026 | $246.03M | $205.86M | $1.31M | $39.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $205.86M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $205.86M.
Similar-sized banks
Lewisburg Banking Company ($246.07M) · Farmers & Merchants State Bank ($245.59M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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