First Federal Savings of Middletown

Middletown, NY
IDRSSD: 565170
Total Assets
$180.94M
Latest filing
Total Deposits
$107.47M
Latest filing
Net Interest Margin
5.17%
Profitability

Locations

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Main Office
First Federal Savings of Middletown
22 James St
Middletown, NY 10940
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1888FDIC Certificate 41546

Branches (0)

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NameAddressCity / State
No branch data available.
First Federal Savings of Middletown (Main)22 James StMiddletown, 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

Institution Profile

Institution ClassN/A
Primary RegulatorOCC
Established Date01/01/1888
Community BankYes
Ownership TypeNot Mutual
ZIP10940
State and County Number36071
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number02
Numeric code38
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictNew York
Core Based Statistical Area NamePoughkeepsie-Newburgh-Middletown, NY

Operational Info

Number of Employees13
Domestic Offices1
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance08/09/1989
Primary Insurance AgencyDIF
Websitewww.firstfederalmiddletown.com
Data Updated11/14/2025
CERT28712
Office of The Comptroller District:
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$180.94M
Total Deposits$107.47M
Total Liabilities$114.48M
Total Equity Capital$66.46M
Net Income$929.00k
Net Loans and Leases$153.43M
Assets Per Employee ($Millions)$13.92M
Bank Premises and Fixed Assets$350.00k
Cash and Balances due from Depository Institutions$19.09M
Deposits Held in Domestic Offices$107.47M

Key Performance Ratios

Return on Assets (ROA)2.05%
Return on Equity (ROE)5.63%
Net Interest Margin5.17%
Efficiency Ratio46.86%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets-0.01%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets36.732%
Earning Assets to total Assets95.44%

Income and Expense

Total Interest Income$2.77M
Total Noninterest Income$43.00k
Total Interest Expense$538.00k
Total Noninterest Expense$1.07M
Net Interest Income$2.23M
Pre-tax Net Operating Income$1.21M
Provision for Credit Losses$-3,000
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
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$7.01M
Total Liabilities and Capital$180.94M

Securities

Securities$342.00k
Available-for-sale debt securities$86.00k
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$256.00k
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of First Federal Savings of Middletown?
$180.94M as of the latest filing.
How much are First Federal Savings of Middletown's total deposits?
$107.47M in total deposits.
Where is First Federal Savings of Middletown located?
Middletown, NY.
What is the Net Interest Margin?
5.17%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1888.
What is the Return on Assets (ROA)?
2.05%.
How much are total loans and leases?
$153.43M (latest filing).
What is the total interest income (latest filing)?
$2.77M.