# FIRST FEDERAL SAVINGS BANK
SISTERSVILLE, WV · FDIC certificate 28746 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $48.1M | |
| Deposits | $39.0M | |
| Loans and leases | $30.5M | |
| Total equity | $8.0M | |
| Loans / deposits | 77.53% (p67 of band) | 69.17% |
| Liquid assets / assets | 29.42% (p38 of band) | |
| Uninsured deposits / deposits | 3.32% (p18 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.66% (p49 of band) | |
| FHLB advances / assets | 1.66% | |
| Tier 1 leverage | 16.04% (p91 of band) | 10.02% |
| Unrealized securities loss / equity | 5.67% (p66 of band) | 3.21% |
| AOCI / equity | -0.31% (p14 of band) | |
| ROA (annualized) | 0.74% (p48 of band) | 0.78% |
| Net interest margin | 3.95% (p61 of band) | 3.76% |
| Efficiency ratio | 72.31% (p48 of band) | |
| Noncurrent loans | 0.90% (p41 of band) | 1.31% |
| Net charge-offs (annualized) | 0.03% (p42 of band) | |
| Reserve coverage of noncurrent | 82.05% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 11.66% (p44 of band) | |
| Auto loans | $2.0M (6.48% of loans; DQ 2.63%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-05-06 [First Federal Savings Bank Announces Promotions - InkFreeNews.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPdm9nNzhpSlVXeGtacWpTdWd2dUdINWZldEtlUWVYUmo0UTlGbFZZX0dIM3U4R3lVMUFJekEyaVJ4aGV4Uk1Da0M2MkFhd3ZYbm5UTU4xTFJKRVJOR0cyZDFlcFZLeldxeUNPWDVJNVRKQ21fdW1keFRBb1ZYREFTc09ta3JPNDRnLW5DdWVEUzc?oc=5) · InkFreeNews.com
- 2021-12-11 [Community Bank promotes Jennifer George to senior executive VP post - - Weirton Daily Times](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPWkY2cVJ3NzRNX0hNbHZkTnFiODdvekplRjVIOW5rS251NEFkaEVrS0NrZU9wN0RvSVFtVHJVTzZKRnlxY1JySmk1TmR6aWpUc2pqNlRhTFpHQl9zbFd6bGZGVHhoeEp4NkxiTVVZOE8yOFA0RV9MY05za1U0TGxCQlUyUHV0bG13MDFVaXNyVjgtWHJQM2RVY21OalBzaHBoLXpuUVliNHZENlpnMnhKcnV5TjJ1dTRPMk9oTDI3V2dTdw?oc=5) · Weirton Daily Times
- 2026-04-01 [Banking: Kentucky Banks Post Record Earnings - The Lane Report](https://news.google.com/rss/articles/CBMijwFBVV95cUxOZ0R2U3NDZ2h2MkhxcmNFVkUtSjlqWXhDV0xsMDBpQW9yaW1waVMyYXhKTktuTkI0WXRWcEthcUx6MUlRSWxtS2VPaXNhai1heHVQUVNpZ2ZhRERmZHZ5eGZJVm9yRkNqMlpZMDhWeGVab1VHd3pFdXdDVlZ6WkVaR3lYcVk2QzR2ZHZubTFGSQ?oc=5) · The Lane Report
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2021-09-15 [Best Small Banks by State 2022 - Newsweek](https://news.google.com/rss/articles/CBMifEFVX3lxTE1DWkQ2cGdXZEIzM1hDUEk4d2hkUm95UHlOTjMyRTRPV3dnZ2VXb1dCSW8zVDZ0c25zSm9pbWJmcDlyQ29fOGpabjJncjBoMUVKNTFnT21XSTFwVUs2U0ZqbzNFV0Z1b01hLWh2TTV4MkszOWF0YmllSE1pQkQ?oc=5) · Newsweek
- 2012-04-25 [First Federal honors students at ceremony - tylerstarnews.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQVjJGMURDd050U3NIVnNpQ1hIcHRjZnBQTERSeFM3cUhPTjFYX1BYS0xTaXN5TEFXQ2hnamt2Rm1CYzlLXzZxT2prRmVoX3Vvb2RDVEw1aVFCb2lHNlJqd2J3bnpTc1pzdy1uZi1BUGZuODRaT1FvMGsySkF2TGhFb29YdTBEVFotSTJ0VWJobVRBRDA3QndSbjh3dWtVMHJC?oc=5) · tylerstarnews.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2024-07-15 [America's Best Banks in Each State 2024, Best State-wise Banks in US - Jagran Josh](https://news.google.com/rss/articles/CBMilgFBVV95cUxPNjA2VmNLUmlSUVpZMmw1TE1kNjJKZlowR3pWVURCY0ZUZ3VMeWhhOWozWWt6c1JuQl8yM1A3WGMzZVZYSmhTX0hnZTlDbVFNcGh0NU9NaTM5cDJTQmhjT2U3R2l6M1hqRkxLQzFoc0ZoWWZ1YlRjaVUwdEhzRjZwTzhZNGthVDBvTDJxU3A3XzRyNmk5VXc?oc=5) · Jagran Josh

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28746 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "28746", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide