First Federal Savings of Middletown
Middletown, NY
IDRSSD: 565170
Total Assets
$181.78M
Latest filing
Total Deposits
$107.98M
Latest filing
Net Interest Margin
5.19%
Profitability
Key People
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Locations
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Main Office
First Federal Savings of Middletown
22 James St
Middletown, NY 10940
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1888FDIC Certificate 41546
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| First Federal Savings of Middletown (Main) | 22 James St | Middletown, NY | ||
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 | N/A |
| Primary Regulator | OCC |
| Established Date | 01/01/1888 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 10940 |
| State and County Number | 36071 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 38 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Poughkeepsie-Newburgh-Middletown, NY |
Operational Info
| Number of Employees | 13 |
| Domestic Offices | 1 |
| 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.firstfederalmiddletown.com |
| Data Updated | 01/30/2026 |
| CERT | 28712 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $181.78M |
| Total Deposits | $107.98M |
| Total Liabilities | $114.91M |
| Total Equity Capital | $66.87M |
| Net Income | $407.00k |
| Net Loans and Leases | $152.02M |
| Assets Per Employee ($Millions) | $12.98M |
| Bank Premises and Fixed Assets | $371.00k |
| Cash and Balances due from Depository Institutions | $21.32M |
| Deposits Held in Domestic Offices | $107.98M |
Key Performance Ratios
| Return on Assets (ROA) | 0.9% |
| Return on Equity (ROE) | 2.44% |
| Net Interest Margin | 5.19% |
| Efficiency Ratio | 74.42% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 36.786% |
| Earning Assets to total Assets | 95.19% |
Income and Expense
| Total Interest Income | $2.79M |
| Total Noninterest Income | $42.00k |
| Total Interest Expense | $549.00k |
| Total Noninterest Expense | $1.70M |
| Net Interest Income | $2.24M |
| Pre-tax Net Operating Income | $547.00k |
| Provision for Credit Losses | $37.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.93M |
| Total Liabilities and Capital | $181.78M |
Securities
| Securities | $317.00k |
| Available-for-sale debt securities | $81.00k |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $236.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Federal Savings of Middletown?
$181.78M as of the latest filing.
How much are First Federal Savings of Middletown's total deposits?
$107.98M in total deposits.
Where is First Federal Savings of Middletown located?
Middletown, NY.
What is the Net Interest Margin?
5.19%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1888.
What is the Return on Assets (ROA)?
0.9%.
How much are total loans and leases?
$152.02M (latest filing).
What is the total interest income (latest filing)?
$2.79M.