Total Assets
$182M
Total balance-sheet footings
FDIC Cert #28712 · Middletown, New York · Est. 1888
First Federal Savings of Middletown - FDIC Bank Health Profile
A community-scale look at First Federal Savings of Middletown's own numbers, pulled straight from its quarterly FDIC Call Report.
- $182M
- Total assets
- A
- Health grade · Excellent
- 1.86%
- Return on assets
- 37.0%
- Tier 1 capital
Data updated July 2026
The verdict
First Federal Savings of Middletown earns a PlainBankData health grade of A (97/100), with well-capitalized at 36.97% Tier 1, profitable at 1.86% ROA, efficient (52% cost ratio).
- #3,143
- largest of 4,313 FDIC banks by assets
- 27th
- percentile by asset size, nationally
- 36.97%
- Tier 1 ratio - above the 10% well-capitalized line
- 87th
- 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 of Middletown's 97/100 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 of Middletown's composite health score
Tier 1 Capital Ratio (36.97%) 40/40
Return on Assets (ROA) (1.86%) 25/25
Texas Ratio (0.51%) 20/20
Efficiency Ratio (51.98%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$108M
Customer-funded liabilities
Net Loans
$152M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Federal Savings of Middletown ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Federal Savings of Middletown's score of 97/100 falls in the highlighted band.
First Federal Savings of Middletown'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 of Middletown's $182M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
36.97% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
36.97%
Texas Ratio
0.51%
Equity Capital
$67M
Profitability metrics
Return on Assets (ROA)
87th percentile nationally
1.86%
Return on Equity (ROE)
5.14%
Efficiency Ratio
51.98%
What the numbers say about First Federal Savings of Middletown
First Federal Savings of Middletown is an FDIC-insured institution (Certificate #28712) headquartered in Middletown, New York, established in 1888. It holds $182M in total assets - 3,143rd of 4,313 FDIC-insured banks, $108M in customer deposits, and $152M in net loans. Its capital position: a Tier 1 ratio of 36.97%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.51% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (97 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 of Middletown sits 106th of 120 banks headquartered in New York by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$11M
Interest Income
$183K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Federal Savings of Middletown reports a Texas Ratio of 0.51% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.51% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Federal Savings of Middletown (FDIC Cert #28712) - 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 New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is First Federal Savings of Middletown's health grade?▼
First Federal Savings of Middletown receives a health grade of A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Federal Savings of Middletown?▼
First Federal Savings of Middletown holds $182M in total assets and $108M in deposits, ranking 3,143rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Middletown, New York.
Is my money safe at First Federal Savings of Middletown?▼
Yes, deposits at First Federal Savings of Middletown (Certificate #28712) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Federal Savings of Middletown's Tier 1 Capital Ratio?▼
First Federal Savings of Middletown has a Tier 1 Capital Ratio of 36.97%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Federal Savings of Middletown?▼
First Federal Savings of Middletown has a Texas Ratio of 0.51%. 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 of Middletown?▼
First Federal Savings of Middletown has an Efficiency Ratio of 51.98%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Federal Savings of Middletown's profile as a depositor or analyst.
- First Federal Savings of Middletown's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Federal Savings of Middletown against other New York banks before moving funds. New York 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.