Bank · FDIC insured
First Fed Delta
A $246M bank headquartered in Delta, OH, with 6 branches in Ohio. Best rates: CDs 3.56% and savings 0.05% APY.
First Fed Delta Carrot Score
63
Carrot Score
Higher than 8% of U.S. banks and credit unions
#28 of 31 in Toledo, OH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Fed Delta
Founded in November 1934 in Delta, Ohio, First Federal Savings and Loan Association of Delta operates as a mutual savings institution owned by its customers.
The institution was formed to provide basic banking services as a community-owned alternative to investor-owned institutions.
The bank serves its local communities through six locations.
- Headquarters
- 404 Main St, Delta, OH 43515
- FDIC certificate
- 29345 ↗
Branches
6 branches in Ohio
Loading map…
Ohio
6 branches
- First Federal Savings and Loan AssociationMain office404 Main St, Delta, OH 43515Directions
- First Fs&La - Holland Branch8165 Airport Hwy, Holland, OH 43528Directions
- 107 East Airport Branch107 E Airport Hwy, Swanton, OH 43558Directions
- Holland-Sylvania Branch3234 N Holland Sylvania Rd, Toledo, OH 43615Directions
- 30 South Third St Branch30 S 3rd St, Waterville, OH 43566Directions
- Providence Branch6600 Providence St, Whitehouse, OH 43571Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 16.48% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.07% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $56 | $81 | — |
- CapitalLeverage ratio16.48%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.07%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$56Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Fed Delta are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.