Total Assets
$27M
Total balance-sheet footings
FDIC Cert #29490 · Ravenswood, West Virginia · Est. 1934
First Federal Savings & Loan Association of Ravenswood - FDIC Bank Health Profile
A community-scale look at First Federal Savings & Loan Association of Ravenswood's own numbers, pulled straight from its quarterly FDIC Call Report.
- $27M
- Total assets
- B
- Health grade · Good
- 0.22%
- Return on assets
- 22.5%
- Tier 1 capital
Data updated July 2026
The verdict
First Federal Savings & Loan Association of Ravenswood earns a PlainBankData health grade of B (67/100), with well-capitalized at 22.51% Tier 1, 0.22% ROA, 87% efficiency ratio.
- #4,252
- largest of 4,313 FDIC banks by assets
- 1st
- percentile by asset size, nationally
- 22.51%
- Tier 1 ratio - above the 10% well-capitalized line
- 9th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Federal Savings & Loan Association of Ravenswood'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 & Loan Association of Ravenswood's composite health score
Tier 1 Capital Ratio (22.51%) 40/40
Return on Assets (ROA) (0.22%) 7/25
Texas Ratio (3.73%) 20/20
Efficiency Ratio (86.59%) 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
$24M
Customer-funded liabilities
Net Loans
$20M
Outstanding loan book
Net Income
$58K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Federal Savings & Loan Association of Ravenswood ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Federal Savings & Loan Association of Ravenswood's score of 67/100 falls in the highlighted band.
First Federal Savings & Loan Association of Ravenswood'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 & Loan Association of Ravenswood's $27M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
22.51% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
22.51%
Texas Ratio
3.73%
Equity Capital
$3M
Profitability metrics
Return on Assets (ROA)
9th percentile nationally
0.22%
Return on Equity (ROE)
2.15%
Efficiency Ratio
86.59%
What the numbers say about First Federal Savings & Loan Association of Ravenswood
First Federal Savings & Loan Association of Ravenswood is an FDIC-insured institution (Certificate #29490) headquartered in Ravenswood, West Virginia, established in 1934. It holds $27M in total assets - 4,252nd of 4,313 FDIC-insured banks, $24M in customer deposits, and $20M in net loans. Capital-wise, the Tier 1 ratio sits at 22.51%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 3.73%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Federal Savings & Loan Association of Ravenswood is a community-scale institution -- 42nd of 42 FDIC-insured banks headquartered in West Virginia by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$1M
Interest Income
$7K
Non-Interest Income
$497K
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Federal Savings & Loan Association of Ravenswood reports a Texas Ratio of 3.73% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.73% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in West Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Federal Savings & Loan Association of Ravenswood (FDIC Cert #29490) - 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 West Virginia
All West Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| WesBanco Bank, Inc.Wheeling | $27.6B | A | 0.91% |
| City National Bank of West VirginiaCharleston | $6.7B | A | 2.01% |
| MVB Bank, IncFairmont | $3.3B | B | 1.46% |
| Clear Mountain BankBruceton Mills | $985M | A | 1.28% |
| Potomac BankCharles Town | $943M | A | 1.04% |
| Pendleton Community Bank, Inc.Franklin | $814M | B | 1.01% |
| CNB Bank, Inc.Berkeley Springs | $786M | B | 0.78% |
| Citizens Bank of West Virginia, Inc.Elkins | $705M | A | 1.59% |
Frequently asked questions
What is First Federal Savings & Loan Association of Ravenswood's health grade?▼
First Federal Savings & Loan Association of Ravenswood 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 & Loan Association of Ravenswood?▼
First Federal Savings & Loan Association of Ravenswood holds $27M in total assets and $24M in deposits, ranking 4,252nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Ravenswood, West Virginia.
Is my money safe at First Federal Savings & Loan Association of Ravenswood?▼
Yes, deposits at First Federal Savings & Loan Association of Ravenswood (Certificate #29490) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Federal Savings & Loan Association of Ravenswood's Tier 1 Capital Ratio?▼
First Federal Savings & Loan Association of Ravenswood has a Tier 1 Capital Ratio of 22.51%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Federal Savings & Loan Association of Ravenswood?▼
First Federal Savings & Loan Association of Ravenswood has a Texas Ratio of 3.73%. Staying under 50% is the level analysts treat as 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 & Loan Association of Ravenswood?▼
First Federal Savings & Loan Association of Ravenswood has an Efficiency Ratio of 86.59%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Federal Savings & Loan Association of Ravenswood's profile as a depositor or analyst.
- First Federal Savings & Loan Association of Ravenswood's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Federal Savings & Loan Association of Ravenswood against other West Virginia banks before moving funds. West Virginia 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.