FIRST FEDERAL SAVINGS AND LOAN BANK

OLATHE, KS · Supervised by FDIC

Est. 1923FDIC #28,635RSSD: FDIC-28635

Part ofFIRST FED OF OLATHE BCORP INC→ View all charters

Outstanding Same

Current rating · Exam: May 2020

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 3.45%

Institution Profile

FDIC BankFind

Website

www.firstfederalolathe.com

Address

700 E Santa Fe St, OLATHE, KS

County

Johnson County

Established

January 1, 1923

Total Assets

$110M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 1, 2020

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$110M

Total Deposits

$91M

Net Loans

$87M

Net Income

$942K

ROA

3.45%

ROE

28.26%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate4.41%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$98M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	136	82.35%	4.41%
2023	162	85.8%	4.94%
2022	176	88.07%	3.41%
2021	166	87.95%	3.01%
2020	169	81.66%	4.73%
2019	176	71.59%	9.66%
2018	237	86.08%	6.75%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2014

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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