First Federal Savings Bank
Rochester, IN
IDRSSD: 257578
Total Assets
$662.88M
Latest filing
Total Deposits
$488.99M
Latest filing
Net Interest Margin
3.28%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Federal Savings Bank
301 E 9th St
Rochester, IN 46975
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1965FDIC Certificate 44350
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Federal Savings Bank (Main) | 301 E 9th St | Rochester, IN |
| 814 U S 35 NORTH BRANCH | 814 U.S. 35 North | Winamac, IN |
| 206 W PLYMOUTH ST BRANCH | 206 W Plymouth St | Bremen, IN |
| 2113 N MICHIGAN BRANCH | 2113 N Michigan St | Plymouth, IN |
| 2926 SOUTH MAIN BRANCH | 2926 S Main St | Elkhart, IN |
| MISHAWAKA BRANCH | 906 W Edison Rd | Mishawaka, IN |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1965 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 46975 |
| State and County Number | 18049 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 132 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.firstfederalbanking.com |
| Data Updated | 11/14/2025 |
| CERT | 31516 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $662.88M |
| Total Deposits | $488.99M |
| Total Liabilities | $602.03M |
| Total Equity Capital | $60.85M |
| Net Income | $1.37M |
| Net Loans and Leases | $565.22M |
| Assets Per Employee ($Millions) | $5.02M |
| Bank Premises and Fixed Assets | $11.82M |
| Cash and Balances due from Depository Institutions | $23.16M |
| Deposits Held in Domestic Offices | $488.99M |
Key Performance Ratios
| Return on Assets (ROA) | 0.83% |
| Return on Equity (ROE) | 9.11% |
| Net Interest Margin | 3.28% |
| Efficiency Ratio | 77.61% |
| Tier 1 Risk-Based Capital Ratio | 13.8% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.179% |
| Earning Assets to total Assets | 90.62% |
Income and Expense
| Total Interest Income | $8.25M |
| Total Noninterest Income | $2.58M |
| Total Interest Expense | $3.36M |
| Total Noninterest Expense | $5.79M |
| Net Interest Income | $4.89M |
| Pre-tax Net Operating Income | $1.63M |
| Provision for Credit Losses | $42.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $9.00k |
| Other borrowed funds | $110.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.05M |
| Total Liabilities and Capital | $662.88M |
Securities
| Securities | $17.74M |
| Available-for-sale debt securities | $17.74M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Federal Savings Bank?
$662.88M as of the latest filing.
How much are First Federal Savings Bank's total deposits?
$488.99M in total deposits.
Where is First Federal Savings Bank located?
Rochester, IN.
What is the Net Interest Margin?
3.28%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1965.
What is the Return on Assets (ROA)?
0.83%.
How much are total loans and leases?
$565.22M (latest filing).
What is the total interest income (latest filing)?
$8.25M.