Total Assets
$1.0B
Total balance-sheet footings
FDIC Cert #28706 · Waynesburg, Pennsylvania · Est. 1924
First Federal Savings and Loan Association of Greene Co - FDIC Bank Health Profile
A community-scale look at First Federal Savings and Loan Association of Greene Co's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.0B
- Total assets
- B
- Health grade · Good
- 0.30%
- Return on assets
- 32.1%
- Tier 1 capital
Data updated July 2026
The verdict
First Federal Savings and Loan Association of Greene Co earns a PlainBankData health grade of B (67/100), with well-capitalized at 32.09% Tier 1, 0.30% ROA, 86% efficiency ratio.
- #1,034
- largest of 4,313 FDIC banks by assets
- 76th
- percentile by asset size, nationally
- 32.09%
- Tier 1 ratio - above the 10% well-capitalized line
- 10th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First Federal Savings and Loan Association of Greene Co's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Federal Savings and Loan Association of Greene Co's composite health score
Tier 1 Capital Ratio (32.09%) 40/40
Return on Assets (ROA) (0.30%) 7/25
Texas Ratio (3.14%) 20/20
Efficiency Ratio (86.26%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$853M
Customer-funded liabilities
Net Loans
$701M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Federal Savings and Loan Association of Greene Co ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Federal Savings and Loan Association of Greene Co's score of 67/100 falls in the highlighted band.
First Federal Savings and Loan Association of Greene Co'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 of Greene Co's $1.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
32.09% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
32.09%
Texas Ratio
3.14%
Equity Capital
$153M
Profitability metrics
Return on Assets (ROA)
10th percentile nationally
0.30%
Return on Equity (ROE)
2.00%
Efficiency Ratio
86.26%
What the numbers say about First Federal Savings and Loan Association of Greene Co
First Federal Savings and Loan Association of Greene Co is an FDIC-insured institution (Certificate #28706) headquartered in Waynesburg, Pennsylvania, established in 1924. It holds $1.0B in total assets - 1,034th of 4,313 FDIC-insured banks, $853M in customer deposits, and $701M in net loans. On safety, its Tier 1 capital ratio of 32.09% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.14% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (67/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Pennsylvania, First Federal Savings and Loan Association of Greene Co ranks 45th of 112 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$39M
Interest Income
$2M
Non-Interest Income
$24M
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 of Greene Co reports a Texas Ratio of 3.14% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.14% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Federal Savings and Loan Association of Greene Co (FDIC Cert #28706) - 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.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is First Federal Savings and Loan Association of Greene Co's health grade?▼
First Federal Savings and Loan Association of Greene Co receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Federal Savings and Loan Association of Greene Co?▼
First Federal Savings and Loan Association of Greene Co holds $1.0B in total assets and $853M in deposits, ranking 1,034th of 4,313 FDIC-insured banks by asset size. It is headquartered in Waynesburg, Pennsylvania.
Is my money safe at First Federal Savings and Loan Association of Greene Co?▼
Yes, deposits at First Federal Savings and Loan Association of Greene Co (Certificate #28706) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Federal Savings and Loan Association of Greene Co's Tier 1 Capital Ratio?▼
First Federal Savings and Loan Association of Greene Co has a Tier 1 Capital Ratio of 32.09%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Federal Savings and Loan Association of Greene Co?▼
First Federal Savings and Loan Association of Greene Co has a Texas Ratio of 3.14%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Federal Savings and Loan Association of Greene Co?▼
First Federal Savings and Loan Association of Greene Co has an Efficiency Ratio of 86.26%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Federal Savings and Loan Association of Greene Co's profile as a depositor or analyst.
- First Federal Savings and Loan Association of Greene Co's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Federal Savings and Loan Association of Greene Co against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.