Unverified listing What this means
The Lender Report built this page from public records. First Federal Savings of Middletown has not reviewed it. Every lender's page starts this way, and it says nothing about First Federal Savings of Middletown itself. Each figure shows its source and date. Work at First Federal Savings of Middletown? You can claim this page for free.
Savings institution, Middletown, NY
First Federal Savings of Middletown
A savings institution based in Middletown, NY. Its commercial book is led by non-owner-occupied CRE and multifamily. No public file shows individual loans it has made.
- Kind
- Savings institution
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $148M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $188M
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 845-343-1401 From the lender's website, retrieved November 11, 2026. Source page
- Website
- www.firstfederalmiddletown.comFrom the FDIC record, November 9, 2026.
- Address
- 22 James St, Middletown, NY 10940FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 11.0% to $74.4M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Multifamily balance rose 8.6% to $31.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 29.1% to $11.8M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| 2023-10 to 2026-09 | Named as the lender on 3 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
No public record of recent loans. That can mean no such loans or no duty to report.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 3 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name First Federal Savings of Middletown as the lender, totaling $3.60M.
- 2 of them were recorded in the latest 12 months of that window.
| Property class | Mortgages | Dollars |
|---|---|---|
| Hotel | 2 | $3.40M |
| Industrial | 1 | $210K |
| Borough | Mortgages |
|---|---|
| Bronx | 3 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $31.5M | 20.9% | +8.6% |
| Construction and land development | $31.0M | 20.6% | -16.4% |
| Owner-occupied CRE | $8.86M | 5.9% | -41.3% |
| Non-owner-occupied CRE | $74.4M | 49.5% | +11.0% |
| Farmland | $0 | 0.0% | Not reported |
| Commercial and industrial | $2.26M | 1.5% | +107.1% |
| Commercial total | $148M |
Reference only: $2.35M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $120M |
| Q4 2023 | $122M |
| Q1 2024 | $133M |
| Q2 2024 | $137M |
| Q3 2024 | $143M |
| Q4 2024 | $150M |
| Q1 2025 | $155M |
| Q2 2025 | $149M |
| Q3 2025 | $152M |
| Q4 2025 | $151M |
| Q1 2026 | $149M |
| Q2 2026 | $148M |
Programs on record: Federal Home Loan Bank member, New York district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- First Federal Savings of Middletown reported commitments to fund construction loans that had not been drawn at June 30, 2026: $4,236,000 for 1-4 family residential construction and $7,598,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $0. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| Over $250,000 up to $1 million | 2 | $1.26M |
| Original amount | Loans | Holds |
|---|---|---|
| Over $250,000 up to $1 million | 5 | $3.64M |
Where it lends
Offices beside loans on record
| State | Offices |
|---|---|
| New York HQ | 1 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- First Federal Savings of Middletown has 1 office in 1 county and 1 state (FDIC Summary of Deposits, June 30, 2026): 1 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Orange County, NY | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $10.5M | $2.79M to $7.15M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 195.2% | 21.8% to 343.9% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 44.2% | 0.0% to 55.8% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 134.0% | 53.5% to 122.5% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $11.8M | $0 to $12.2M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 29.1% from a year earlier. | FDIC call report, |
| Loans to assets | 80.0% | 48.7% to 90.8% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| The Putnam County National Bank of Carmel | NY | $183M | $72.1M |
| Alpine Capital Bank | NY | $237M | $132M |
| Eastbank, National Association | NY | $153M | $86.1M |
| Bank of Holland | NY | $262M | $56.4M |
| American Community Bank | NY | $307M | $195M |
| Massena Savings and Loan | NY | $200M | $8.45M |
| Savannah Bank National Association | NY | $187M | $40.7M |
| Global Bank | NY | $304M | $150M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. First Federal Savings of Middletown, FDIC certificate 28712. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $188M in total assets and $148M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. No loans are on record under this name in the HMDA and SBA files. If that is wrong, report it with evidence.
- Phone and website. Phone 845-343-1401, from the lender's website on November 11, 2026. Website firstfederalmiddletown.com, from the FDIC record. [How to reach them]
- Recorded mortgages, New York City. 3 recorded mortgages in New York City under this name. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Office of the Comptroller of the Currency
- FDIC certificate
- 28712
- RSSD
- 565170
- The Lender Report ID
- lr_004437
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Poughkeepsie-Newburgh-Middletown, NY
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $188M in total assets as of June 30, 2026 (FDIC call report).
- Held $148.1M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $74.4M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 11.0% from a year earlier (FDIC call report).
- Held $31.5M of multifamily loans as of June 30, 2026, up 8.6% from a year earlier (FDIC call report).
- Held $31M of construction and land loans as of June 30, 2026 (FDIC call report).
- Listed 1 office in 1 state (FDIC).
4 more sentences
- Held 2 commercial and industrial loans that were $1 million or less when made, with a balance of $1.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 5 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $3.6M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $4.2M for 1-4 family and $7.6M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
- Named as the lender on 3 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $3.6M (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, First Federal Savings of Middletown, https://lender.report/lender/first-federal-savings-of-middletown-ny/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem