Bank · FDIC insured
First Federal Middletown
A $188M bank headquartered in Middletown, NY, with 1 branch in New York. Best rates: CDs 1.81% and savings 1.26% APY.
First Federal Middletown Carrot Score
68
Carrot Score
Higher than 20% of U.S. banks and credit unions
#12 of 20 in Kiryas Joel, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Federal Middletown
- Headquarters
- 22 James St, Middletown, NY 10940
- FDIC certificate
- 28712 ↗
Branches
1 branch in New York
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New York
1 branch
- First Federal Savings of MiddletownMain office22 James St, Middletown, NY 10940Directions
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 | 36.94% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.86% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $134 | $81 | — |
- CapitalLeverage ratio36.94%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.86%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$134Peers’ 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 Federal Middletown are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.