Is First Savings&Loan Assn Safe?
First Savings&Loan Assn has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (17/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 53.61% | 100/100 |
| Nonperforming Loan Ratio | 0.23% | 95/100 |
| Liquidity Ratio | 25.52% | 82/100 |
| Return on Assets | -0.07% | 17/100 |
| Total Assets | $0.1B | |
How does First Savings&Loan Assn compare?
With a Bank Health Score of 86/100, First Savings&Loan Assn sits 16.0 points above the national average of 70/100 for FDIC-insured banks. Within North Carolina, where 36 FDIC-insured banks are headquartered, First Savings&Loan Assn ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 53.61% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.23% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Savings&Loan Assn's Bank Health Score fell by 1.0 points to 86/100. Tier 1 capital strengthened by 1.29 percentage points to 53.61%. Quarter-over-quarter, the score fell by 1.0 points.
First Savings&Loan Assn has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (17/100).