What is First Federal Savings and Loan Association's financial health grade?

First Federal Savings and Loan Association has a TFS Financial Health Grade of C (score: 76.1/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Federal Savings and Loan Association have?

First Federal Savings and Loan Association has 6 branch locations across the United States.

Is First Federal Savings and Loan Association FDIC insured?

Yes, First Federal Savings and Loan Association is FDIC insured (Certificate #29345).

What are the total assets of First Federal Savings and Loan Association?

First Federal Savings and Loan Association has total assets of $242.2M as reported in its most recent FDIC filing.

First Federal Savings and Loan Association

BankDelta, Ohio

www.firstfeddelta.bank

Total Assets

$242.2M

Total Deposits

$203.1M

Branches

Established

1934

TFS Health Grade

76.1 / 100

Average financial health

How we grade

First Federal Savings and Loan Association is a bank headquartered in Delta, Ohio, established in 1934. With $242.2M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C (76.1/100).

Capital & Safety

Tier 1 Capital Ratio

16.52%(8%)

Total Capital Ratio

41.52%(10%)

Non-Performing Loan Ratio

0.00%

Profitability

Return on Assets (ROA)

0.96%(1%)

Return on Equity (ROE)

6.33%(10%)

Net Interest Margin

3.65%

Efficiency Ratio

68.84%(60%)

Lending & Liquidity

Total Loans

$108.1M

Loan-to-Deposit Ratio

52.88%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+4.79%

Deposit Growth (YoY)

+3.36%

Net Income

$2.3M

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 and Loan AssociationHQ	404 Main St	Delta	OH	11
First Federal Savings and Loan Association	8165 Airport Hwy	Holland	OH	11
First Federal Savings and Loan Association	107 E Airport Hwy	Swanton	OH	11
First Federal Savings and Loan Association	3234 N Holland Sylvania Rd	Toledo	OH	11
First Federal Savings and Loan Association	30 S 3rd St	Waterville	OH	11
First Federal Savings and Loan Association	6600 Providence St	Whitehouse	OH	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.