Bank · FDIC insured
First Federal Savings Bank
A $686.6M bank headquartered in Rochester, IN, with 6 branches in Indiana. Best rates: CDs 3.55% and savings 0.08% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.76%CD rates →
- Savings630.15%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Federal Savings Bank
- Headquarters
- 301 E 9th St, Rochester, IN 46975
- FDIC certificate
- 31516 ↗
Branches
6 branches in Indiana
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Indiana
6 branches
Plymouth area · 2
- 206 W Plymouth St Branch206 W Plymouth St, Bremen, IN 46506Directions
- 2113 N Michigan Branch2113 N Michigan St, Plymouth, IN 46563Directions
Rochester area · 1
- First Federal Savings BankMain office301 E 9th St, Rochester, IN 46975Directions
Elkhart area · 1
- 2926 South Main Branch2926 S Main St, Elkhart, IN 46517Directions
South Bend area · 1
- Mishawaka Branch906 W Edison Rd, Mishawaka, IN 46545Directions
Winamac area · 1
- 814 U S 35 North Branch814 U.S. 35 North, Winamac, IN 46996Directions
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 | 9.31% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.94% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.97% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $110 | $81 | — |
- CapitalLeverage ratio9.31%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.94%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.97%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$110Peers’ 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 Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.