First Savings and Loan Association: how it compares with its peers
Against 588 U.S. banks with half to twice its assets, First Savings and Loan Association's strongest measure in Q2 2026 is assets per employee ($14.0M vs. a $6.2M peer median). Its weakest relative measure is net interest margin (2.49% vs. 3.88%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.32% | 1.05% | Bottom third Ahead of 19% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.49% | 3.88% | Bottom third Ahead of 7% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.53% | 69.22% | Bottom third Ahead of 16% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $14.0M | $6.2M | Top third Ahead of 98% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.82% | 68.00% | Context |
What it means for lending operations
Its efficiency ratio of 88.53% is above the 69.22% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Liberty Bank Ironton, OH · $56M
- Sidney Federal Savings and Loan Association Sidney, NE · $56M
- First Community Bank, Xenia-Flora Xenia, IL · $56M
- The First Farmers National Bank of Waurika Waurika, OK · $56M
- The First State Bank of Pond Creek, Oklahoma Pond Creek, OK · $55M
- Swedish-American State Bank Courtland, KS · $55M
Questions about First Savings and Loan Association
How big is First Savings and Loan Association?
First Savings and Loan Association, established in 1909, is headquartered in Mebane, NC. It reported $56M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is First Savings and Loan Association's return on assets?
0.32% annualized in Q2 2026, against a 1.05% median for 588 U.S. banks with half to twice its assets, ahead of 19% of them.
What is First Savings and Loan Association's efficiency ratio?
88.53% in Q2 2026: it spent about 89 cents in noninterest expense for each dollar of revenue. The peer median is 69.22%, and lower is better.
Is First Savings and Loan Association growing its loans?
Net loans shrank 4.2% over the year to Q2 2026, while deposits shrank 7.0%.
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 U.S. 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 North Carolina bank ranked.