First Savings Bank


702 North Shore Drive, Suite 300
Jeffersonville, IN 47130
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.01% 0.66% →
1-Year CD 0.20% 0.67% →
2-Year CD 0.30% 0.75% →
5-Year CD 0.60% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First Savings Bank is an FDIC insured institution located in Jeffersonville, IN. It was founded in 1938 and has approximately $1.87 billion in assets. Customers can open an account at one of its 16 branches.

FDIC Insured Yes
FDIC Certificate # 29961
Date Established 1938
Assets $ 1,869.42 million
Loans $ 1,472.02 million
Deposits $ 1,129.53 million
Capital $ 177.76 million

For a more detailed analysis of First Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.01% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.10% $100,000 $199,999 Learn More
12 Mo CD
0.20% $10,000 $14,999 Learn More
12 Mo CD
0.20% $100,000 $199,999 Learn More
24 Mo CD
0.30% $10,000 $14,999 Learn More
24 Mo CD
0.30% $100,000 $199,999 Learn More
36 Mo CD
0.40% $10,000 $14,999 Learn More
36 Mo CD
0.40% $100,000 $199,999 Learn More
48 Mo CD
0.50% $10,000 $14,999 Learn More
48 Mo CD
0.50% $100,000 $199,999 Learn More
60 Mo CD
0.60% $10,000 $14,999 Learn More
60 Mo CD
0.60% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.01% $2,500 $3,499 Learn MoreShow Less

Loan Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Savings Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.775% 2.750% 0.38 $808 $1,021 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.790% 2.750% 0.50 $1,290 $1,021 Learn More
Morty, Inc.
NMLS ID: 1429243
2.706% 2.625% 0.63 $2,668 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to First Savings Bank
To upload and update your bank's rates please register. It is free to register and add rates.


First Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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First Savings Bank Locations

Financial Details

First Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Savings Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Savings Bank U.S. Bank Average
7.24% 5.49%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2020, First Savings Bank had $12,076,000 in non-current loans and $2,043,000 in owned real estate. To cover these potential losses it had $177,761,000 in equity and $17,124,000 in loans loss reserves. That gives it a Texas Ratio of 7.24%.

Return on Equity
First Savings Bank U.S. Bank Average
26.28% 9.24%

First Savings Bank has a Return on Equity of 26.28% versus the BestCashCow average of 9.24%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

First Savings Bank U.S. Bank Average
9.51% 11.96%

First Savings Bank has a Capitalization of 9.51% versus the BestCashCow average of 11.96. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Savings Bank Balance Sheet Analysis

As of December 31, 2020, First Savings Bank had assets of $1,869,420,000, loans of $1,472,020,000, and deposits of $1,129,525,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2020
Cash & Balances due from depository institutions $ 34.82 million
Interest-bearing balances $ 18.80 million
Total securities $ 205.24 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,472.02 million
Loan loss allowance $ 17.12 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.04 million
Goodwill and other intangibles $ 46.02 million
All other assets $ 75.95 million
     Total Assets $ 1,691.66 million
Total deposits $ 1,129.53 million
      Interest-bearing deposits $ 849.06 million
      Deposits held in domestic offices $ 1,129.53 million
      % insured (estimated) 69.39%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 512.86 million
Subordinated debt N.A.
All other liabilities $ 49.27 million
      Total Liabilities $ 1,691.66 million
      Shareholders’ Equity $ 177.76 million

Summary Income Statement

December 31, 2020
Total Interest Income $ 60.00 million
Total Interest Expense $ 8.68 million
Net interest income $ 51.33 million
Provision for loan and lease losses $ 8.12 million
Total non interest income $ 161.34 million
Total non interest expense $ 146.46 million
Pre-tax Net Operating Income $ 58.09 million

Bank Loan Profile?

The top three loan types in First Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Indiana, First Savings Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 38.57
Credit Card Loans 0.00
Consumer Auto Loans 0.69
Small Business Loans 9.00
Construction and Development Loans 2.44
Commercial Real Estate 36.88
Commercial and Industrial Loans 17.30
Farm Loans 0.41

Frequently Asked Questions About First Savings Bank

Branches and Savings

Is First Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #29961.

Why does First Savings Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Savings Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Savings Bank a commercial bank?


Where are First Savings Bank locations?

See branch locations nearby.

Is First Savings Bank open on Saturdays?

Is First Savings Bank open on Sundays?

What time does First Savings Bank open?

What time does First Savings Bank close?

Are First Savings Bank ATMs Open 24/7?

Do First Savings Bank ATMs accept cash deposits?

Can First Savings Bank customers use other ATMs?

Do First Savings Bank branches have notaries?

Will First Savings Bank notarize my document?

What address for First Savings Bank should I put for incoming ACH transfers?

Will the First Savings Bank branch print checks?

Do First Savings Bank checks expire?

Does First Savings Bank require US citizenship to open account?

Can First Savings Bank close my account?

Does First Savings Bank Report to credit bureaus?

Does First Savings Bank Use Equifax?

What is First Savings Bank's ACH Routing Number?

What is First Savings Bank's SWIFT code?


Does First Savings Bank offer mortgages?

Compare mortgage rates here.

Does First Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Savings Bank offer personal loans?

Compare personal loan rates here.

Does First Savings Bank offer student loans?

Will First Savings Bank cash a check?

Will First Savings Bank redeem a savings bond?

Does First Savings Bank cash savings bonds?

Will First Savings Bank cash money orders?

Can First Savings Bank issue a money order?

Does First Savings Bank do currency exchange?

Background on The Bank

Who owns First Savings Bank?

How long has First Savings Bank been around?

Can First Savings Bank transfer to other banks?

Does First Savings Bank have quick pay?

Does First Savings Bank accept rolled coins?

Will First Savings Bank accept loose change?

Where is First Savings Bank headquarters?

Customer Reviews for First Savings Bank

  • April 01, 2020 |

    We had a terrible experience with Extreme Loan we were refinancing our home on home on March 6, 2020. We were told that we would be locked in at 3% with no closing costs or points. My mortgage representative, Ray, didn't lock in the loan and instead put me on a float. This is known as a bait and switch tactic. I received a call from Marla, on March 30 that the loan increased to 3.250 with additional fees and points at $7000. I talked with the branch manager, Ryan, and he said that he couldn't do any better. In 36 years of senior management, I have never seen such a poorly run office in MI. They claim to be extremely honest, fast, and easy. I'm sure that I'm not going to hear from First Savings bank to discuss this matter. I recommended my neighbor to use them and she had the same experience, the bait and switch. Ryan, doesn't seem to care about customers or customer service and thus forgets where his income stems from. To him companies come first as opposed to the customer and I can't believe that he won't honor the deal made on March 6, 2020. Overall I would rate my experience and the company as very poor.

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