First Federal Savings and Loan Association
Delta, OH
IDRSSD: 80374
Total Assets
$242.16M
Latest filing
Total Deposits
$203.11M
Latest filing
Net Interest Margin
3.77%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Federal Savings and Loan Association
404 Main St
Delta, OH 43515
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1934FDIC Certificate 42179
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Federal Savings and Loan Association (Main) | 404 Main St | Delta, OH |
| 107 EAST AIRPORT BRANCH | 107 E Airport Hwy | Swanton, OH |
| HOLLAND-SYLVANIA BRANCH | 3234 N Holland Sylvania Rd | Toledo, OH |
| 30 SOUTH THIRD ST BRANCH | 30 S 3rd St | Waterville, OH |
| FIRST FS&LA - HOLLAND BRANCH | 8165 Airport Hwy | Holland, OH |
| PROVIDENCE BRANCH | 6600 Providence St | Whitehouse, OH |
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 | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 43515 |
| State and County Number | 39051 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 37 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Toledo, OH |
Operational Info
| Number of Employees | 38 |
| 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.firstfeddelta.bank |
| Data Updated | 01/30/2026 |
| CERT | 29345 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $242.16M |
| Total Deposits | $203.11M |
| Total Liabilities | $204.08M |
| Total Equity Capital | $38.09M |
| Net Income | $629.00k |
| Net Loans and Leases | $107.40M |
| Assets Per Employee ($Millions) | $6.37M |
| Bank Premises and Fixed Assets | $4.04M |
| Cash and Balances due from Depository Institutions | $20.95M |
| Deposits Held in Domestic Offices | $203.11M |
Key Performance Ratios
| Return on Assets (ROA) | 1.05% |
| Return on Equity (ROE) | 6.7% |
| Net Interest Margin | 3.77% |
| Efficiency Ratio | 65.85% |
| Tier 1 Risk-Based Capital Ratio | 40.814% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.728% |
| Earning Assets to total Assets | 93.44% |
Income and Expense
| Total Interest Income | $2.53M |
| Total Noninterest Income | $212.00k |
| Total Interest Expense | $411.00k |
| Total Noninterest Expense | $1.53M |
| Net Interest Income | $2.12M |
| Pre-tax Net Operating Income | $795.00k |
| Provision for Credit Losses | $0 |
| 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 | $967.00k |
| Total Liabilities and Capital | $242.16M |
Securities
| Securities | $99.98M |
| Available-for-sale debt securities | $99.98M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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 and Loan Association?
$242.16M as of the latest filing.
How much are First Federal Savings and Loan Association's total deposits?
$203.11M in total deposits.
Where is First Federal Savings and Loan Association located?
Delta, OH.
What is the Net Interest Margin?
3.77%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
1.05%.
How much are total loans and leases?
$107.40M (latest filing).
What is the total interest income (latest filing)?
$2.53M.