FDIC Cert #30358 · Mebane, North Carolina · Est. 1909

First Savings and Loan Association - 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.
$56M
Total assets
C
Health grade · Fair
-0.11%
Return on assets
54.0%
Tier 1 capital

Data updated July 2026

The verdict

First Savings and Loan Association earns a PlainBankData health grade of C (60/100), with well-capitalized at 54.00% Tier 1, -0.11% ROA, 107% efficiency ratio.

#4,085
largest of 4,313 FDIC banks by assets
5th
percentile by asset size, nationally
54.00%
Tier 1 ratio - above the 10% well-capitalized line
4th
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 30358 · NC C · 60/100

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

  • GRADE-C C (60/100)
  • LOWER-Q #3835/4307
  • PHOTO-FINISH Streator Home Saving… · IL
  • TIER1-WELL 54.0% Tier 1
  • TEXAS-CLEAN 0.6% Texas
  • ROA-LOSS -0.11% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Carolina: Streator Home Savings Bank, IL (±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 Savings and Loan Association

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

Morgan Stanley Bank,… · UT ·…100/100American Community B… · IN ·…60/100Blue Foundry Bank · NJ · near60/100First Savings and Lo… · NC ·…60/100Midland Federal Savi… · IL ·…60/100Streator Home Saving… · IL ·…60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Savings and Loan Association · July 2026

What First Savings and Loan Association's Call Report plate shows

First Savings and Loan Association (FDIC Cert #30358) carries a PlainBankData health grade of C at 60/100, 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 #3,835 of 4,307. Tier 1 capital prints at 54.00%, clearing the 10% well-capitalized line. The Texas Ratio is 0.61%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.11%. Balance-sheet scale is $56M, 4,085th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Streator Home Savings Bank (IL), 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 Savings and Loan Association

7 FAILURE resolutions in North Carolina since 2000 (7 since 2008)

First Savings and Loan Association's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Savings and Loan Association remains an active FDIC-insured reporter.

  • PISGAH COMMUNITY BANK ASHEVILLE, NC 2013 → CAPITAL BANK, NATIONAL ASSOCIATION
  • PARKWAY BANK LENOIR, NC 2013 → CERTUSBANK, NATIONAL ASSOCIATION
  • WACCAMAW BANK WHITEVILLE, NC 2012 → FIRST COMMUNITY BANK

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

How First Savings and Loan Association's 60/100 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 avg77/10060/100
First Savings and Loan Association's composite health score
Tier 1 Capital Ratio (54.00%) 40/40
Return on Assets (ROA) (-0.11%) 0/25
Texas Ratio (0.61%) 20/20
Efficiency Ratio (106.76%) 0/15

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

Balance sheet at a glance

Total Assets

$56M

Total balance-sheet footings

Total Deposits

$42M

Customer-funded liabilities

Net Loans

$37M

Outstanding loan book

Net Income

$-62K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% 50% 60% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 52.6% 54% 55.4%
Basel III capital ratios - First Savings and Loan Association

Where First Savings and Loan Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Savings and Loan Association's score of 60/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

60 11th percentile higher than 11% 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 Savings and Loan Association 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 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 Savings and Loan Association's $56M falls in the highlighted band.

Safety ratios for First Savings and Loan Association

Tier 1 capital ratio
Well-capitalized 10%

54.00% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
54.00%
Texas Ratio
0.61%
Equity Capital
$13M

What these ratios mean →

Profitability metrics: First Savings and Loan Association

Return on Assets (ROA)
4th percentile nationally
-0.11%
Return on Equity (ROE)
-0.47%
Efficiency Ratio
106.76%

What these mean →

Income & expense: loss period at First Savings and Loan Association

$3M
Interest Income
$84K
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 Savings and Loan Association reports a Texas Ratio of 0.61% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.61% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at First Savings and Loan Association

First Savings and Loan Association's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-62K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First Savings and Loan Association 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 Savings and Loan Association on FDIC BankFind →

Top banks in North Carolina by total assets

Largest banks headquartered in North Carolina
  1. 1
    Bank of America $2.64T

    Charlotte, NC · Grade A

  2. 2
    Truist Bank $539.5B

    Charlotte, NC · Grade A

  3. 3
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  4. 4
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

  5. 5
    First Bank $12.7B

    Southern Pines, NC · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($56M here), outside North Carolina so the neighborhood is not state containment.

Compass Savings Bank $56M · PA The Pioneer Savings Bank $56M · OH Community First Bank $55M · OH Brighton Bank $55M · TN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Savings and Loan Association (FDIC Cert #30358) - 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 Savings and Loan Association Call Report profile · FDIC Failed Bank List · North Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Carolina

All North Carolina banks →
BankAssetsGradeROA
Bank of America, National AssociationCharlotte $2.64T A 1.15%
Truist BankCharlotte $539.5B A 1.04%
First-Citizens Bank & Trust CompanyRaleigh $229.3B B 1.00%
Live Oak Banking CompanyWilmington $15.1B C 0.82%
First BankSouthern Pines $12.7B A 0.94%
Southern Bank and Trust CompanyMount Olive $5.2B A 1.19%
HomeTrust BankAsheville $4.5B A 1.43%
The Fidelity BankFuquay Varina $4.4B A 1.74%