FDIC Cert #29710 · Washington, Indiana · Est. 1895

First Federal Savings Bank of Washington - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$95M
Total assets
D
Health grade · Weak
0.38%
Return on assets
10.4%
Tier 1 capital

Data updated July 2026

The verdict

First Federal Savings Bank of Washington earns a PlainBankData health grade of D (45/100), with well-capitalized at 10.39% Tier 1, 0.38% ROA, 81% efficiency ratio.

#3,775
largest of 4,313 FDIC banks by assets
12th
percentile by asset size, nationally
10.39%
Tier 1 ratio - above the 10% well-capitalized line
12th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 29710 · IN D · 45/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-D D (45/100)
  • BOTTOM-DECILE #4205/4307
  • PHOTO-FINISH Hometown Bank · OH
  • TIER1-WELL 10.4% Tier 1
  • TEXAS-HEALTHY 16.0% Texas
  • ROA-THIN 0.38% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: Hometown Bank, OH (±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 Bank of Washing…

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

Morgan Stanley Bank,… · UT ·…100/100First Federal Saving… · IN ·…45/100First National Bank… · FL · …45/100Hometown Bank · OH · near45/100Iron Workers Savings… · PA ·…45/100Sharon Bank · PA · near45/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Federal Savings Bank of Washing… · July 2026

What First Federal Savings Bank of Washing…'s Call Report plate shows

First Federal Savings Bank of Washington (FDIC Cert #29710) carries a PlainBankData health grade of D at 45/100, 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 #4,205 of 4,307. Tier 1 capital prints at 10.39%, clearing the 10% well-capitalized line. The Texas Ratio is 16.05%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.38%. Balance-sheet scale is $95M, 3,775th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Hometown Bank (OH), 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 Bank of Washing…

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

First Federal Savings Bank of Washington'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 Bank of Washington remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

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

How First Federal Savings Bank of Washington's 45/100 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 avg77/10045/100
First Federal Savings Bank of Washington's composite health score
Tier 1 Capital Ratio (10.39%) 28/40
Return on Assets (ROA) (0.38%) 7/25
Texas Ratio (16.05%) 10/20
Efficiency Ratio (81.37%) 0/15

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

Balance sheet at a glance

Total Assets

$95M

Total balance-sheet footings

Total Deposits

$76M

Customer-funded liabilities

Net Loans

$72M

Outstanding loan book

Net Income

$354K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.99% 10.39% 11.79%
Basel III capital ratios - First Federal Savings Bank of Washington

Where First Federal Savings Bank of Washington ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Federal Savings Bank of Washington's score of 45/100 falls in the highlighted band.

First Federal Savings Bank of Washington: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

45 2nd percentile higher than 2% 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%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 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 Bank of Washing… 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 Bank of Washington'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 Bank of Washington's $95M falls in the highlighted band.

Safety ratios for First Federal Savings Bank of Washing…

Tier 1 capital ratio
Well-capitalized 10%

10.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.39%
Texas Ratio
16.05%
Equity Capital
$10M

What these ratios mean →

Profitability metrics: First Federal Savings Bank of Washing…

Return on Assets (ROA)
12th percentile nationally
0.38%
Return on Equity (ROE)
3.75%
Efficiency Ratio
81.37%

What these mean →

Income & expense at First Federal Savings Bank of Washing…

$5M
Interest Income
$105K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Federal Savings Bank of Washington reports a Texas Ratio of 16.05% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

16.05% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at First Federal Savings Bank of Washington

First Federal Savings Bank of Washington's grade of D reflects specific pressure points in the FDIC Call Report.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First Federal Savings Bank of Washington up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View First Federal Savings Bank of Washington on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($95M here), outside Indiana so the neighborhood is not state containment.

The First National Bank of Osakis $95M · MN Miners Exchange Bank $95M · VA The State Exchange Bank $95M · OK Community Unity Bank $95M · MI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Federal Savings Bank of Washington (FDIC Cert #29710) - 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 Bank of Washington Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
Old National BankEvansville $71.8B B 1.16%
Merchants Bank of IndianaCarmel $19.4B A 1.20%
First Merchants BankMuncie $19.0B A 1.27%
Centier BankWhiting $9.7B A 1.67%
1st Source BankSouth Bend $9.1B A 1.84%
German American BankJasper $8.4B A 1.46%
Lake City BankWarsaw $7.0B A 1.61%
Horizon BankMichigan City $6.4B C -1.96%