First Federal Savings and Loan Association: how it compares with its peers
Against 67 OH banks with half to twice its assets, First Federal Savings and Loan Association's strongest measure in Q2 2026 is efficiency ratio (66.17% vs. a 72.34% peer median). Its weakest relative measure is net interest margin (3.75% vs. 3.74%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.07% | 0.97% | Middle third Ahead of 61% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.75% | 3.74% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.17% | 72.34% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $5.9M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 55.84% | 81.02% | Context |
What it means for lending operations
Its efficiency ratio of 66.17% is better than the 72.34% 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 Home Savings and Loan Company of Kenton, Ohio, DBA HSLC Kenton, OH · $245M
- 1st National Bank Lebanon, OH · $247M
- The First National Bank of Sycamore Sycamore, OH · $239M
- Buckeye Community Bank Elyria, OH · $238M
- Hometown Bank Kent, OH · $255M
- First Bank of Central Ohio Worthington, OH · $261M
Questions about First Federal Savings and Loan Association
How big is First Federal Savings and Loan Association?
First Federal Savings and Loan Association, established in 1934, is headquartered in Delta, OH. It reported $246M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is First Federal Savings and Loan Association's return on assets?
1.07% annualized in Q2 2026, against a 0.97% median for 67 OH banks with half to twice its assets, ahead of 61% of them.
What is First Federal Savings and Loan Association's efficiency ratio?
66.17% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 72.34%, and lower is better.
Is First Federal Savings and Loan Association growing its loans?
Net loans grew 15.1% over the year to Q2 2026, while deposits grew 2.1%.
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 OH 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 Ohio bank ranked.