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First Federal Savings Of Middletown
Middletown, NY · FDIC Certificate #28712 · Chartered 01/0
Total assets
$187.96M
Total deposits
$112.25M
Total equity
$68.59M
Net loans
$148.85M
Branches (offices)
1
Net income (YTD)
$1.72M
Rank: #3,062 of 4,213 U.S. banks by assets · #100 of 115 in New York. Assets changed 3.9% and deposits 3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.86% |
| Return on equity | 5.08% |
| Net interest margin (YTD) | 5.13% |
| Equity to assets | 36.49% |
| Tier 1 leverage ratio | 36.94% |
| Uninsured deposits (share of deposits) | 26.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.46% |
| Loans to deposits | 132.6% |
| Real estate loans (share of loans) | 99.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $148.14M | 99.5% | |
| Commercial & industrial | $2.26M | 1.5% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $31.03M | 20.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $182.63M | $119.31M | $741.00K | $57.02M |
| Jun 2023 | $165.53M | $99.78M | $1.64M | $59.57M |
| Jun 2024 | $173.20M | $104.05M | $1.68M | $62.52M |
| Jun 2025 | $180.92M | $108.58M | $2.03M | $65.53M |
| Jun 2026 | $187.96M | $112.25M | $1.72M | $68.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $112.25M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $112.25M.
Similar-sized banks
First State Bank ($187.96M) · Bellevue State Bank ($187.66M)
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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