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BDI
FF

First Federal Savings & Loan Association of Ravenswood

Ravenswood, West VirginiaFDIC Cert #29490

OCCEstablished 19341 branch

Holding company: Not reportedRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$1.32M
Investor CRE$378K
Multifamily$270K
Construction$303K
1–4 family$17.4M
C&I$0
Agriculture$0
Other$112K

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$19.8M
+0.3%y/y
Percentile by value24th percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNLSGR
Net loans
$19.7M
+0.3%y/y
Percentile by value24th percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNLSNET
Loans YoY
+0.34%
+122.7%y/y
Percentile by value45th percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNLSNET
L/D
81.4%
−6.9%y/y
Percentile by value47th percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNLSNET + DEP
Loans/assets
72.5%
−6.4%y/y
Percentile by value62nd percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNLSNET + ASSET
RE loans %
99.43%
−0.2%y/y
Percentile by value52nd percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
33%
+6.1%y/y
Percentile by value50th percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
11%
−1.3%y/y
Percentile by value60th percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
7,790points
−1.3%y/y
Peer standing29th percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
6.67%
−0.3%y/y
Percentile by value81st percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNRENROW + LNLSGR
Investor CRE %
1.91%
+29.5%y/y
Percentile by value49th percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNRENROT + LNLSGR
C&I %
0.00%
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNCI + LNLSGR