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First Federal Savings Bank
Rochester, IN · FDIC Certificate #31516 · Chartered 01/0
Total assets
$686.61M
Total deposits
$540.42M
Total equity
$63.15M
Net loans
$587.86M
Branches (offices)
6
Net income (YTD)
$3.33M
Rank: #1,389 of 4,213 U.S. banks by assets · #31 of 87 in Indiana. Assets changed 5.6% and deposits 13.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.97% |
| Return on equity | 10.85% |
| Net interest margin (YTD) | 3.48% |
| Equity to assets | 9.20% |
| Tier 1 leverage ratio | 9.31% |
| Uninsured deposits (share of deposits) | 28.4% |
| Noncurrent loans (share of loans) | 0.94% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 108.8% |
| Real estate loans (share of loans) | 98.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $579.49M | 98.6% | |
| Commercial & industrial | $13.34M | 2.3% | |
| Consumer / individual | $990.00K | 0.2% | |
| Construction & development | $54.79M | 9.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $519.73M | $439.07M | $765.00K | $49.71M |
| Jun 2023 | $618.18M | $443.52M | $1.64M | $51.45M |
| Jun 2024 | $651.18M | $493.94M | $845.00K | $54.72M |
| Jun 2025 | $650.03M | $476.98M | $2.68M | $59.10M |
| Jun 2026 | $686.61M | $540.42M | $3.33M | $63.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $540.42M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $540.42M.
Similar-sized banks
First National Bank And Trust Company Of Ardmore ($686.75M) · Legacy Bank ($686.47M)
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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