First Federal Savings of Middletown
Total assets
$188.0M
▲ +3.9% YoY
Deposits
$112.3M
▲ +3.4% YoY
Loans
$148.8M
▼ -1.2% YoY
Offices
1
ROA (annualized)
1.86%
peers 1.24%
ROE (annualized)
5.08%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.4% | -0.5 pts |
| Deposit growth (YoY) | +3.4% | +4.0% | -0.6 pts |
| Loan growth (YoY) | -1.2% | +5.6% | -6.8 pts |
| ROA | 1.86% | 1.24% | +0.6 pts |
| ROE | 5.1% | 11.9% | -6.8 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
Profile
- Established
- 1888
- Charter
- OCC
- Primary regulator
- OCC
- Specialization
- Commercial Lending Specialization
- Address
- 22 James St, Middletown, NY, 10940
- County
- Orange
- Metro area
- Poughkeepsie-Newburgh-Middletown, NY
- Offices
- 1
- FDIC cert #
- 28712
- RSSD ID
- 565170
- 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 | $188.0M | $112.3M | $148.8M | $68.6M | $1.7M | 1.86% | 5.13% | 0.00% |
| Q1 2026 | $185.9M | $111.3M | $149.8M | $67.8M | $957K | 2.08% | 5.13% | 0.19% |
| Q4 2025 | $181.8M | $108.0M | $152.0M | $66.9M | $3.4M | 1.86% | 5.22% | 0.19% |
| Q3 2025 | $180.9M | $107.5M | $153.4M | $66.5M | $3.0M | 2.18% | 5.23% | 0.19% |
| Q2 2025 | $180.9M | $108.6M | $150.7M | $65.5M | $2.0M | 2.24% | 5.26% | 0.19% |
| Q1 2025 | $182.6M | $111.6M | $156.9M | $64.5M | $962K | 2.12% | 5.03% | 0.19% |
| Q4 2024 | $179.9M | $109.7M | $150.8M | $63.5M | $2.7M | 1.53% | 4.97% | 0.41% |
| Q3 2024 | $176.7M | $106.9M | $144.4M | $63.0M | $2.2M | 1.69% | 5.01% | 0.00% |
Loan mix (Q2 2026): real estate $148.1M · commercial $2.3M · consumer $0 · securities $267K
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 | 1.86% | 1.24% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.13% | 3.96% | 93th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.7% | 62.9% | 9th | |
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.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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