What is First Federal Savings of Middletown's financial health grade?

First Federal Savings of Middletown has a TFS Financial Health Grade of D (score: 63.4/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Federal Savings of Middletown have?

First Federal Savings of Middletown has 1 branch location across the United States.

Is First Federal Savings of Middletown FDIC insured?

Yes, First Federal Savings of Middletown is FDIC insured (Certificate #28712).

What are the total assets of First Federal Savings of Middletown?

First Federal Savings of Middletown has total assets of $181.8M as reported in its most recent FDIC filing.

First Federal Savings of Middletown

BankMiddletown, New York

www.firstfederalmiddletown.com

Total Assets

$181.8M

Total Deposits

$108.0M

Branches

Established

1888

TFS Health Grade

63.4 / 100

Below average financial health

How we grade

First Federal Savings of Middletown is a bank headquartered in Middletown, New York, established in 1888. With $181.8M in total assets and 1 branch locations, it has a TFS Financial Health Grade of D (63.4/100).

Capital & Safety

Tier 1 Capital Ratio

36.98%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.23%

Profitability

Return on Assets (ROA)

1.86%(1%)

Return on Equity (ROE)

5.14%(10%)

Net Interest Margin

5.22%

Efficiency Ratio

51.98%(60%)

Lending & Liquidity

Total Loans

$153.7M

Loan-to-Deposit Ratio

140.78%

Net Charge-Off Ratio

0.25%

Growth

Asset Growth (YoY)

+1.07%

Deposit Growth (YoY)

-1.57%

Net Income

$3.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Federal Savings of MiddletownHQ	22 James St	Middletown	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.