First Federal Savings Bank (FDIC #31516): Bank Stress & Real-Estate Credit Exposure
First Federal Savings Bank (FDIC Cert #31516): bank stress 74/100, elevated, STABLE over 7 days; parent AMERICAN MW FINANCIAL CORP.
First Federal Savings Bank (#31516) lends in 5 counties across 1 state; First Federal Savings Bank (#31516) reaches 69 ZIP codes: Indiana 5 counties, 69 ZIPs.
First Federal Savings Bank (#31516) largest markets: St. Joseph County, IN (25 branches, 25 ZIPs) (#31516), Elkhart County, IN (17 branches, 17 ZIPs) (#31516), Fulton County, IN (17 branches, 17 ZIPs) (#31516), Marshall County, IN (30 branches, 15 ZIPs) (#31516), Pulaski County, IN (13 branches, 13 ZIPs) (#31516).
First Federal Savings Bank (#31516) reports $686.6 million in total assets; First Federal Savings Bank (#31516) equity $63.2 million (9.2% of First Federal Savings Bank (#31516) assets); First Federal Savings Bank (#31516) domestic deposits $540.4 million; First Federal Savings Bank (#31516) net income $3.3 million; First Federal Savings Bank (#31516) return on assets 0.97%; First Federal Savings Bank (#31516) return on equity 10.85%; First Federal Savings Bank (#31516) net interest income $10.8 million; First Federal Savings Bank (#31516) call report June 30, 2026.
First Federal Savings Bank (#31516) noncurrent real-estate loans: none reported; First Federal Savings Bank (#31516) net charge-offs on real estate 0.95%.
First Federal Savings Bank (#31516) net interest margin 3.48% against an eight-quarter First Federal Savings Bank (#31516) average of 3.05% (First Federal Savings Bank (#31516) compression -0.43 points); First Federal Savings Bank (#31516) rate-exposure score 40/100, First Federal Savings Bank (#31516) fixed-rate trap 40/100; First Federal Savings Bank (#31516) risk type credit driven; First Federal Savings Bank (#31516) rate regime rates elevated, First Federal Savings Bank (#31516) snapshot October 19, 2026.
First Federal Savings Bank (#31516) stress score moved from 76.5 on June 22, 2026 to 73.9 on October 20, 2026; First Federal Savings Bank (#31516) ranged 73.9 to 76.5 over 117 snapshots.
First Federal Savings Bank (#31516) alerts: 5 counties; top First Federal Savings Bank (#31516) alert scores: Elkhart County, IN 35 (moderate); Mishawaka County, IN 25 (low); Plymouth County, IN 25 (low); Rochester County, IN 25 (low); Winamac County, IN 25 (low).