# FIRST FEDERAL SAVINGS BANK
MONESSEN, PA · FDIC certificate 29943 · asset band $300M-1B · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $324.8M | |
| Deposits | $211.6M | |
| Loans and leases | $286.9M | |
| Total equity | $47.1M | |
| Loans / deposits | 133.90% (p100 of band) | 80.43% |
| Liquid assets / assets | 7.32% (p2 of band) | |
| Uninsured deposits / deposits | 16.37% (p41 of band) | 18.44% |
| Brokered deposits | 0.99% | |
| Wholesale funding | 20.74% (p93 of band) | |
| FHLB advances / assets | 19.35% | |
| Tier 1 leverage | 14.17% (p92 of band) | 10.05% |
| Unrealized securities loss / equity | 0.00% (p37 of band) | 0.40% |
| AOCI / equity | -0.13% (p4 of band) | |
| ROA (annualized) | 0.45% (p16 of band) | 0.88% |
| Net interest margin | 3.59% (p48 of band) | 3.62% |
| Efficiency ratio | 82.26% (p83 of band) | |
| Noncurrent loans | 1.02% (p52 of band) | 0.96% |
| Net charge-offs (annualized) | 0.02% (p37 of band) | |
| Reserve coverage of noncurrent | 120.65% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 25.59% (p41 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -7.3% | |
| Employees | 83 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | uninsured deposits leaving | wholesale funding >15% |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | assets shrinking |  |
| 2012-12 | 4 | wholesale funding >15%, deposits shrinking | assets shrinking |
| 2013-03 | 3 | assets shrinking | uninsured deposits leaving, wholesale funding >15% |
| 2013-06 | 2 |  | deposits shrinking |
| 2013-09 | 1 |  | assets shrinking |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 | liquid assets <10% | capital falling |
| 2014-06 | 3 | wholesale funding >15% |  |
| 2014-09 | 4 | deposits shrinking |  |

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

- 2021-08-17 [Keleigh Godfrey promoted at First Federal Savings Bank - Idaho Business Review](https://news.google.com/rss/articles/CBMinwFBVV95cUxQZklXNlB1MWxrdlNodXNyZVp1ZWlpSXhlRzRlZER3WnZ6Z1ptQl9BVkNfRkg3elp0TVBlNFA4LUd4TmVRUTRBSEk4RzQ2bDJIYl90TlVCMmxOWHpRZmtiYkxnN1J0cFRBeGljXzBkQTNMTW9EMkZPTXVXcmFBd056dm1lbjEwd3NHQkpwOWwtYVVBb0dfLXNYRWN1VUcyMWs?oc=5) · Idaho Business Review
- 2024-07-11 [20 community banks with the largest first mortgage loan portfolios - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxNLVhRMW03dUx2ZHd6RDJ6R2NhaS1FZl9VLV92RnI0bkttTlFiS214UHQ1RnUzLWZXX1l6Z3Ixalg2bXRhWWRUdDk0cFdra2dJbjI5eW9fRjZIV19ZVFQ3RnVwcG9CY3JJYno0Z09rMTg1V19ZbzRSSThvdjdPazhoeVFkNS0tZEUyaDU0R2FtRDBaMWdteEpGb2NuOHVpcFlWRUJnVw?oc=5) · American Banker
- 2021-06-11 [City of Urbana and First Federal’s Sprouts at the Market starts this Saturday - - Smile Politely](https://news.google.com/rss/articles/CBMisgFBVV95cUxPamNmaUU3V1JUQmdDbkQ4ZU5NMVF0cXJKVVQ0OTVQTjlJMkJaTmM2Rnc1V3BPQ1hpN1hZSk9pb0h2V2ZSbDNOcldhbXZiem10NndzZlU5aldtLWNQVVZIeHN2Q1pmeno1OTNDOVFDWXo0a1ZKZmVfdmxxYXU3ajA1d3A5WTROMFEwYm9Ca0pEX3c3TkR5VF9POUxpVEFfdGxsNkpzUE1OOTNBWjgwdlJ5Umpn?oc=5) · Smile Politely
- 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
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2024-06-12 [Community Banks with the Largest First Mortgage Portfolios (Mar. 31, 2024) - American Banker](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQdXl0ZUVaTVIxY3JOZTVVOWQzY2Q4TGJ6RjF0N3ZIWE40eVVTRW9teEZKY19RTHZLZWlXXzdCaTV1MWFKY0hiclZYZ1o3TWdLT3NHSVZYcGdraWtWcGwtcmQyMjV6aFloNDVfbElsQ2tLdjN1MXZULWJfeFFSUWlySE9yMXZGREVFM1M0eTFudjc1RnM1Wk5nZGtxWWJsQmtNU2FHeHB3bS1vQQ?oc=5) · American Banker
- 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
- 2022-11-20 [Cheston Browning Obituary - Spring Hill, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQQXVKdUpTZFhmTFE5Rk9FYmIxVXc2Q29RcEhJQzE2TWlmQUZ0d1BHTWtTZUVqRTNETzRrdks0bTBNcUM0YXYwcWZ5aFhsLW1NSVJ2VExFS01GNlc3ZFIyZnRqTEhQNDc5ZGVyVElwdUtzajdFQUJ5QkNZM041VGVjakJTc0Y3ZEN4LXJr?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29943 (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/55.json (key "29943", 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