First Federal Savings and Loan Bank: how it compares with its peers
Against 76 KS banks with half to twice its assets, First Federal Savings and Loan Bank's strongest measure in Q2 2026 is return on assets (3.31% vs. a 1.39% peer median). Its weakest relative measure is net interest margin (4.82% vs. 3.95%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.31% | 1.39% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.82% | 3.95% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 27.75% | 59.21% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.6M | $7.2M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.40% | 73.29% | Context |
What it means for lending operations
Its efficiency ratio of 27.75% is better than the 59.21% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First State Bank of Healy Healy, KS · $109M
- Bank of Commerce and Trust Company Wellington, KS · $113M
- First National Bank of Kansas Burlington, KS · $106M
- Exchange State Bank Saint Paul, KS · $105M
- First National Bank in Fredonia Fredonia, KS · $104M
- Home Savings Bank Chanute, KS · $115M
Questions about First Federal Savings and Loan Bank
How big is First Federal Savings and Loan Bank?
First Federal Savings and Loan Bank, established in 1923, is headquartered in Olathe, KS. It reported $109M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is First Federal Savings and Loan Bank's return on assets?
3.31% annualized in Q2 2026, against a 1.39% median for 76 KS banks with half to twice its assets, ahead of 100% of them.
What is First Federal Savings and Loan Bank's efficiency ratio?
27.75% in Q2 2026: it spent about 28 cents in noninterest expense for each dollar of revenue. The peer median is 59.21%, and lower is better.
Is First Federal Savings and Loan Bank growing its loans?
Net loans shrank 7.1% over the year to Q2 2026, while deposits shrank 6.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.