$186M
+1.8%y/y
Percentile by value50th percentileby value
FDIC
ASSETFF
First Federal Savings of Middletown
Middletown, New YorkFDIC Cert #28712
OCCEstablished 18881 branch
Holding company: Not reportedRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst Federal Savings of Middletown reported $186M in total assets. Deposits declined 0.25% over the prior year.
Return on assets was 2.08%, compared with an asset-peer median of 1.18%. The leverage ratio was 36.91%.
- Why is Tier 1 Leverage Ratio above asset peers?
- Why is Efficiency Ratio below asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$111M
−0.3%y/y
Percentile by value20th percentileby value
FDIC
DEP$150M
−4.5%y/y
Percentile by value74th percentileby value
FDIC
LNLSNET2.08%
−4 bpsy/y
Peer standing89th percentile
FDIC
NETINC + ROA50.20%
+461 bpsy/y
Peer standing85th percentile
FDIC
NONIX + NIM + NONII + EEFFR36.91%
+123 bpsy/y
Peer standing99th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $169M | $104M |
| Q3 2021 | $171M | $105M |
| Q4 2021 | $171M | $106M |
| Q1 2022 | $169M | $107M |
| Q2 2022 | $183M | $119M |
| Q3 2022 | $177M | $113M |
| Q4 2022 | $171M | $107M |
| Q1 2023 | $169M | $104M |
| Q2 2023 | $166M | $99.8M |
| Q3 2023 | $167M | $100M |
| Q4 2023 | $169M | $101M |
| Q1 2024 | $173M | $105M |
| Q2 2024 | $173M | $104M |
| Q3 2024 | $177M | $107M |
| Q4 2024 | $180M | $110M |
| Q1 2025 | $183M | $112M |
| Q2 2025 | $181M | $109M |
| Q3 2025 | $181M | $107M |
| Q4 2025 | $182M | $108M |
| Q1 2026 | $186M | $111M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $8.94M |
| Investor CRE | $72.7M |
| Multifamily | $31.6M |
| Construction | $33M |
| 1–4 family | $2.34M |
| C&I | $2.81M |
| Agriculture | $0 |
| Other | $0 |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.08%89th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE5.68%19th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY5.13%93rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR50.20%85th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP−0.25%22nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET−4.53%9th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.23%60th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ36.91%99th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.90%72nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.08%91st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.10%Median 0.97%90th 2.02%Observations 116
ROE
FDIC
NETINC + ROE5.68%37th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.07%Median 7.55%90th 15.10%Observations 116
NIM
FDIC
NIM + NIMY5.13%98th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 0.54%Median 3.39%90th 4.44%Observations 129
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR50.20%86th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.52%Median 69.06%90th 93.95%Observations 116
Deposits YoY
FDIC
DEP−0.25%29th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.15%Median +2.83%90th +13.50%Observations 121
Loans YoY
FDIC
LNLSNET−4.53%9th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.50%Median +4.22%90th +22.03%Observations 118
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.23%76th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.70%90th 2.49%Observations 118
Leverage
FDIC
RBC1AAJ36.91%93rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 4.90%Median 10.71%90th 25.91%Observations 129
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.90%70th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.15%Median 2.43%90th 3.81%Observations 108
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 168%90th 371%Observations 89
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.08%94th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.20%Median 0.61%90th 2.02%Observations 19
ROE
FDIC
NETINC + ROE5.68%50th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.32%Median 5.68%90th 14.00%Observations 19
NIM
FDIC
NIM + NIMY5.13%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.88%Median 3.73%90th 4.54%Observations 19
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR50.20%89th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 49.27%Median 77.25%90th 88.81%Observations 19
Deposits YoY
FDIC
DEP−0.25%41st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +0.28%90th +5.19%Observations 18
Loans YoY
FDIC
LNLSNET−4.53%6th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.76%Median +2.12%90th +8.01%Observations 17
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.23%75th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.83%90th 1.91%Observations 17
Leverage
FDIC
RBC1AAJ36.91%94th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.15%Median 13.31%90th 28.49%Observations 19
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.90%59th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 0.85%Median 2.24%90th 3.94%Observations 18
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 24%Median 94%90th 224%Observations 10
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Middletown, NY
FDIC
OFFDOMOpen the New York dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data