Dearborn Federal Savings Bank
Total assets
$306.6M
▲ +10.5% YoY
Deposits
$198.2M
▲ +15.1% YoY
Loans
$196.9M
▼ -1.7% YoY
Offices
5
ROA (annualized)
0.07%
peers 1.24%
ROE (annualized)
0.26%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +4.4% | +6.1 pts |
| Deposit growth (YoY) | +15.1% | +4.0% | +11.2 pts |
| Loan growth (YoY) | -1.7% | +5.6% | -7.2 pts |
| ROA | 0.07% | 1.24% | -1.2 pts |
| ROE | 0.3% | 11.9% | -11.6 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
Profile
- Established
- 1936
- Charter
- OCC
- Primary regulator
- OCC
- Specialization
- Mortgage Lending Specialization
- Address
- 22315 Michigan Ave, Dearborn, MI, 48124
- County
- Wayne
- Metro area
- Detroit-Warren-Dearborn, MI
- Offices
- 5
- FDIC cert #
- 29874
- RSSD ID
- 1005075
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $306.6M | $198.2M | $196.9M | $77.1M | $102K | 0.07% | 2.80% | 0.41% |
| Q1 2026 | $298.6M | $189.8M | $196.2M | $77.1M | $101K | 0.14% | 2.91% | 0.38% |
| Q4 2025 | $288.5M | $183.2M | $199.9M | $77.1M | $-1.4M | -0.50% | 2.71% | 0.43% |
| Q3 2025 | $292.1M | $186.9M | $200.2M | $77.4M | $-1.1M | -0.51% | 2.70% | 0.00% |
| Q2 2025 | $277.6M | $172.2M | $200.2M | $77.6M | $-1.0M | -0.73% | 2.70% | 0.00% |
| Q1 2025 | $277.6M | $171.8M | $199.7M | $78.5M | $-177K | -0.26% | 2.63% | 0.00% |
| Q4 2024 | $276.6M | $168.2M | $202.5M | $78.6M | $83K | 0.03% | 2.55% | 0.00% |
| Q3 2024 | $266.7M | $164.5M | $202.6M | $78.5M | $-26K | -0.01% | 2.53% | 0.00% |
Loan mix (Q2 2026): real estate $198.4M · commercial $0 · consumer $4K · securities $67.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 11.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.96% | 6th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.8% | 62.9% | 97th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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