🏦Bank Scorer

FIRST FEDERAL SAVINGS BANK

ROCHESTER, IN · Supervised by OTS

Est. 1965FDIC #31,516
Outstanding Up

Current rating · Exam: May 2010

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.83%

Institution Profile

FDIC BankFind

Address

301 E 9th St, ROCHESTER, IN

County

Fulton County

Established

January 1, 1965

Total Assets

$690M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 24, 2010

Exam Type

Intermediate Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 16 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$690M

Total Deposits

$555M

Net Loans

$586M

Net Income

$1M

ROA

0.83%

ROE

9.29%

Risk-Based Capital

14.82%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$477M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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