FDIC Cert #31409 · Morehead, Kentucky · Est. 1963

First Federal Savings and Loan Association - FDIC Bank Health Profile

A community-scale look at First Federal Savings and Loan Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$40M
Total assets
C
Health grade · Fair
0.23%
Return on assets
39.3%
Tier 1 capital

Data updated July 2026

The verdict

First Federal Savings and Loan Association earns a PlainBankData health grade of C (63/100), with well-capitalized at 39.31% Tier 1, 0.23% ROA, 90% efficiency ratio.

#4,186
largest of 4,313 FDIC banks by assets
3rd
percentile by asset size, nationally
39.31%
Tier 1 ratio - above the 10% well-capitalized line
9th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 31409 · KY C · 63/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (63/100)
  • LOWER-Q #3595/4307
  • PHOTO-FINISH West Plains Savings… · MO
  • TIER1-WELL 39.3% Tier 1
  • TEXAS-CLEAN 7.4% Texas
  • ROA-THIN 0.23% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: West Plains Savings and Loan Association, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Federal Savings and Loan Associ…

Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community Partners S… · IL ·…63/100First Federal Bank · NC · ne…63/100First Federal Saving… · KY ·…63/100Universal Bank · CA · near63/100West Plains Savings… · MO · …63/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Federal Savings and Loan Associ… · July 2026

What First Federal Savings and Loan Associ…'s Call Report plate shows

First Federal Savings and Loan Association (FDIC Cert #31409) carries a PlainBankData health grade of C at 63/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,595 of 4,307. Tier 1 capital prints at 39.31%, clearing the 10% well-capitalized line. The Texas Ratio is 7.43%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.23%. Balance-sheet scale is $40M, 4,186th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is West Plains Savings and Loan Association (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Federal Savings and Loan Associ…

3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)

First Federal Savings and Loan Association's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Federal Savings and Loan Association remains an active FDIC-insured reporter.

  • LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
  • FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
  • IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.

How First Federal Savings and Loan Association's 63/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10063/100
First Federal Savings and Loan Association's composite health score
Tier 1 Capital Ratio (39.31%) 40/40
Return on Assets (ROA) (0.23%) 7/25
Texas Ratio (7.43%) 16/20
Efficiency Ratio (90.50%) 0/15

63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$40M

Total balance-sheet footings

Total Deposits

$30M

Customer-funded liabilities

Net Loans

$36M

Outstanding loan book

Net Income

$95K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% 50% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 37.91% 39.31% 40.71%
Basel III capital ratios - First Federal Savings and Loan Association

Where First Federal Savings and Loan Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Federal Savings and Loan Association's score of 63/100 falls in the highlighted band.

First Federal Savings and Loan Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

63 17th percentile higher than 17% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Federal Savings and Loan Associ… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Federal Savings and Loan Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Federal Savings and Loan Association's $40M falls in the highlighted band.

Safety ratios for First Federal Savings and Loan Associ…

Tier 1 capital ratio
Well-capitalized 10%

39.31% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
39.31%
Texas Ratio
7.43%
Equity Capital
$11M

What these ratios mean →

Profitability metrics: First Federal Savings and Loan Associ…

Return on Assets (ROA)
9th percentile nationally
0.23%
Return on Equity (ROE)
0.91%
Efficiency Ratio
90.50%

What these mean →

Income & expense at First Federal Savings and Loan Associ…

$2M
Interest Income
$54K
Non-Interest Income
$1M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Federal Savings and Loan Association reports a Texas Ratio of 7.43% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Federal Savings and Loan Association on FDIC BankFind →

Top banks in Kentucky by total assets

Largest banks headquartered in Kentucky
  1. 1
    Stock Yards Bank & Trust Company $9.5B

    Louisville, KY · Grade A

  2. 2
    Republic Bank & Trust Company $7.0B

    Louisville, KY · Grade A

  3. 3
    Community Trust Bank, Inc. $6.6B

    Pikeville, KY · Grade A

  4. 4
    Central Bank & Trust Co. $3.9B

    Lexington, KY · Grade B

  5. 5
    Independence Bank of Kentucky $3.8B

    Owensboro, KY · Grade B

Top 5 banks in Kentucky ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($40M here), outside Kentucky so the neighborhood is not state containment.

Home Federal Savings and Loan Associa… $40M · SC NINNESCAH VALLEY BANK $41M · KS Avana Bank $41M · TX FMB Bank $41M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Federal Savings and Loan Association (FDIC Cert #31409) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Federal Savings and Loan Association Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kentucky

All Kentucky banks →
BankAssetsGradeROA
Stock Yards Bank & Trust CompanyLouisville $9.5B A 1.57%
Republic Bank & Trust CompanyLouisville $7.0B A 1.89%
Community Trust Bank, Inc.Pikeville $6.6B A 1.50%
Central Bank & Trust Co.Lexington $3.9B B 1.16%
Independence Bank of KentuckyOwensboro $3.8B B 0.80%
Traditional Bank, Inc.Mount Sterling $2.5B B 0.80%
Heritage Bank, Inc.Burlington $2.1B B 1.08%
South Central Bank, Inc.Glasgow $2.1B A 1.25%