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BDI
FF

First Federal Savings & Loan Association of Ravenswood

Ravenswood, West VirginiaFDIC Cert #29490

OCCEstablished 19341 branch

Holding company: Not reportedRegulator: OCC

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
0.24%
Peer standing43rd percentile
Peer standing in ubpr:primary:104
FDICNETINC + ROA
ROE
2.34%
Peer standing53rd percentile
Peer standing in ubpr:primary:104
FDICNETINC + ROE
Pretax ROA
0.33%
+308.9%y/y
Peer standing42nd percentile
Peer standing in ubpr:primary:104
FDICPTAXNETINC + ASSET
NIM
2.19%
+3.9%y/y
Peer standing12th percentile
Peer standing in ubpr:primary:104
FDICNIM + NIMY
Earning yield
5.18%
−1.4%y/y
Peer standing59th percentile
Peer standing in ubpr:primary:104
FDICINTINCY
IB deposit cost
3.24%
−5.8%y/y
Peer standing25th percentile
Peer standing in ubpr:primary:104
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
85.03%
−11.6%y/y
Peer standing51st percentile
Peer standing in ubpr:primary:104
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
1.85%
−7.8%y/y
Peer standing97th percentile
Peer standing in ubpr:primary:104
FDICNONIX + ASSET
Fee share
2.72%
+78.2%y/y
Percentile by value25th percentileby value
Peer standing in ubpr:primary:104
FDICNONII + NIM
Assets YoY
+7.22%
+213.7%y/y
Percentile by value82nd percentileby value
Peer standing in ubpr:primary:104
FDICASSET
Deposits YoY
+7.76%
+190.9%y/y
Percentile by value79th percentileby value
Peer standing in ubpr:primary:104
FDICDEP
Loans YoY
+0.34%
+122.7%y/y
Percentile by value45th percentileby value
Peer standing in ubpr:primary:104
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
43rd percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th −0.93%Median 0.30%90th 1.97%Observations 77
ROE
FDICNETINC + ROE
52nd percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th −6.42%Median 1.92%90th 9.64%Observations 77
NIM
FDICNIM + NIMY
12th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.12%Median 3.42%90th 4.22%Observations 77
Efficiency
FDICNONIX + NIM + NONII + EEFFR
51st percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 64.58%Median 86.06%90th 123.71%Observations 77
Deposits YoY
FDICDEP
78th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −5.85%Median +2.09%90th +11.84%Observations 77
Loans YoY
FDICLNLSNET
45th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −5.56%Median +1.66%90th +8.66%Observations 70
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
70th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.00%Median 0.45%90th 2.93%Observations 70
Leverage
FDICRBC1AAJ
16th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.85%Median 16.55%90th 31.44%Observations 77

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
25th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.10%Median 2.69%90th 3.65%Observations 77
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
50th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 4%Median 33%90th 96%Observations 41

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.