First Federal Savings & Loan Association of Greene County Inc

What First Federal Savings & Loan Association of Greene County Inc does

First Federal Savings & Loan Association of Greene County Inc (d/b/a First Federal of Greene or FFGC) is a federally chartered mutual savings and loan association founded on March 13, 1924, headquartered in Waynesburg, Pennsylvania. The institution operates as a community bank serving Southwestern Pennsylvania (Greene, Fayette, and Washington counties) and North Central West Virginia through 11 Pennsylvania branch locations plus 2 First Greene Mortgage offices in Morgantown and Bridgeport, WV. It is member-owned under a mutual structure, FDIC-insured, and holds NMLS#458729 licensure for mortgage activities. The bank is led by President/CEO Charles W. Trump, Jr. (since 2020) with a board chaired by Judi Goodwin Tanner, and has 11-50 employees.

The bank's product portfolio spans deposit products (Basic Checking, Regular Checking/NOW, Tri-Checking/MMDA, Statement Savings, Christmas Club, Education Club, CDs, Traditional and Roth IRAs) and a broad lending suite that includes residential purchase, owner-builder and construction loans, home equity loans and HELOCs, mortgage refinancing, VA loans, FHA Title I, land loans, affordable housing loans, personal loans (up to $25,000, launched 2025), share loans, and commercial real estate loans. Digital channels consist of standard online banking (provided via CheckFree), bill pay, eStatements, a mobile app with card management and instant shutoff (since 2014), 24/7 telephone banking, and ATM access through the Freedom ATM Alliance. Business banking is augmented by Clover/Fiserv point-of-sale merchant services, while investment advisory is offered through a partnership with Milinovich & Co., Inc., and private student loans are distributed via PHEAA's PA Forward program.

Revenue is generated primarily through net interest income on the lending book and deposit-related service charges, wire transfer fees ($15 domestic incoming, $20 domestic outgoing, $50 international), and other transactional fees. Pricing is tiered and transparent (e.g., Basic Checking with no monthly fee, Regular Checking at $5/month if balance falls below $250, CDs with APYs ranging 1.76%-3.53% by term). The go-to-market model is traditional community banking: physical branch presence with local decision-making, complemented by digital banking, a Facebook presence, SEO-optimized website, and customer education videos. The bank celebrated its 100th anniversary in 2024 and most recently opened its 11th Pennsylvania branch in Fairchance (April 2025); it has held a Bauer Financial 5-Star rating for more than 150 consecutive quarters.

Name

First Federal Savings & Loan Association of Greene County Inc

Legal name

First Federal Savings & Loan Association of Greene County

Website

https://ffgc.bank

Company type

Private

Founded year

1924

Operating status

Operating

Headcount range

11–50 employees

Short description

First Federal Savings & Loan Association of Greene County is a mutual community bank founded in 1924, headquartered in Waynesburg, PA, serving consumers and small businesses across Southwestern Pennsylvania and North Central West Virginia with deposit products, mortgage and consumer loans, and digital banking through 11 branches and a mortgage subsidiary.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

Keywords

• Community banking
• Retail banking services
• Deposit products
• Mortgage lending
• Consumer loans

Headquarters

HQ city

Waynesburg

HQ country

United States

HQ region

North America

Offices11 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income: Primary revenue stream from interest earned on mortgage loans, commercial real estate loans, home equity loans, and other lending products.
2. Deposit Services: Fees from checking accounts, savings accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). Includes monthly service charges and minimum balance fees.
3. Service Charges: Fees for wire transfers, ATM transactions, overdrafts, stop payments, certified checks, money orders, and other banking services.
4. Commercial Banking Services: Revenue from commercial real estate loans and business deposit accounts, including merchant services through Clover partnership.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels4 records

Core offering

First Federal Savings & Loan Association of Greene County Inc is a community bank offering a full suite of traditional banking products and digital services. Core offerings include deposit accounts (checking, savings, CDs, IRAs), consumer and residential mortgage loans (purchase, construction, owner-builder, home equity, HELOC, VA, FHA, refinancing, personal loans), commercial real estate lending, business deposit accounts, merchant services via Clover/Fiserv, student loans through PHEAA, and investment advisory through Milinovich & Co.

Product overview

First Federal Savings & Loan Association of Greene County is a community bank offering a comprehensive suite of traditional banking products and digital services. The core offerings center on deposit products (Basic Checking, Regular Checking/NOW, Tri-Checking/MMDA, Statement Savings, Christmas Club, Education Club Savings, CDs, Traditional IRAs, and Roth IRAs) and lending products (Residential Purchase, Owner-Builder, and Construction Loans; Home Equity Loans and HELOCs; Commercial Real Estate Loans; Personal Loans; VA, FHA, Land, and Affordable Housing Loans; plus Share Loans). Digital services include Online Banking, Bill Pay, eStatements, Mobile App, and Telephone/ATM Banking. The bank also offers investment advisory through a Milinovich & Co. partnership and merchant services via Clover/Fiserv. Its wholly owned mortgage subsidiary, First Greene Mortgage (serving West Virginia), handles home loan origination with local servicing decisions. Student loans are available through a PA Forward/PHEAA partnership. The institution operates 11 branch locations across Greene, Fayette, and Washington Counties in Pennsylvania plus West Virginia.

Differentiator

Problem solved

Functional benefit

Brands

• First Greene Mortgage: A wholly owned mortgage subsidiary of First Federal Savings & Loan Association of Greene County, serving West Virginia customers with home loans. Decisions are made locally, and the loan stays with the company for its life. Offices in Morgantown and Bridgeport, WV.

Products and services

• Basic Checking
• Regular Checking (NOW)
• Tri-Checking (MMDA)
• Statement Savings
• Christmas Club Savings
• Education Club Savings Account
• Certificates of Deposit (CDs)
• Traditional IRAs
• Roth IRAs
• Personal Loans
• Residential Purchase Loans
• Residential Owner-Builder Loans
• Residential Construction Loans
• Home Equity Loans
• Home Equity Lines of Credit (HELOC)
• Mortgage Refinancing
• VA Loans
• FHA Title I Home Improvement Loans
• Land Loans
• Affordable Housing Loans
• Share Loans
• Commercial Real Estate Loans
• Business Basic Checking
• Business Statement Savings
• Merchant Services (Clover)
• Online Banking
• Bill Pay
• eStatements
• Mobile App
• Telephone Banking
• ATM Services
• Wire Transfers
• Direct Deposit & Preauthorized Debits
• Safe Deposit Boxes
• Investment Advisory Services
• PA Forward Student Loans
• First Greene Mortgage Services

Quantifiable outcome

• 5 Star Bauer Financial Rating for 150+ consecutive quarters

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Milinovich & Co., Inc.coreGTM or Marketing PartnerPartnership with Milinovich & Co., Inc., a Registered Investment Advisory firm and Certified Public Accountants, to provide fee-only (no commission) investment management services to First Federal customers. Joshua A. Dains, CFP, CMA serves as contact at their office.
• PHEAA (Pennsylvania Higher Education Assistance Agency)coreGTM or Marketing PartnerPartnership with PHEAA to offer PA Forward Student Loan Program, providing private student loan options including undergraduate, graduate, parent, and refinance loans for PA residents and students from approved states attending PA schools.
• Clover from FiservcoreTechnology or IntegrationPartnership with Clover from Fiserv to offer point-of-sale systems and business management tools for small business customers. Includes invoice generation, recurring payments, appointment scheduling, and e-signature collection capabilities.
• DeluxeminorOthersPartnership with Deluxe for check reordering services. Customers can reorder checks through Deluxe website.
• Freedom ATM AlliancecoreTechnology or IntegrationMembership in Freedom ATM Alliance enables First Federal ATM and Visa check cards to be used at ATMs with Star, Cirrus, Honor, Accel, Exchange, Plus, Discover, Amex, or Visa signage.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Fidelity D&D Bancorp: Fidelity D&D Bancorp is the Dunmore, PA-based parent of Fidelity Deposit and Discount Bank, a community bank serving Northeastern Pennsylvania with retail deposits, mortgages, and commercial lending; comparable to FFGC in community banking orientation and product suite.
• S&T Bank: S&T Bank is a Western Pennsylvania-based community bank serving consumers and businesses across a multi-county footprint with deposits, mortgages, commercial lending, and digital banking; closely comparable to First Federal of Greene County in size, regional focus, and community banking model.
• Citizens Financial Services Inc: Citizens Financial Services is a Mansfield, PA-based community bank holding company operating First Citizens National Bank across rural Pennsylvania counties, with deposit and loan products structurally similar to FFGC.
• Penns Woods Bancorp: Penns Woods Bancorp (Jersey Shore State Bank and Luzerne Bank) is a Pennsylvania community bank holding company providing retail, mortgage, and commercial banking products in rural Pennsylvania counties; comparable to FFGC in mutual-style community banking, size, and product scope.
• AmeriServ Financial Inc. AmeriServ Financial operates AmeriServ Financial Bank, a Johnstown, Pennsylvania-based community bank with consumer and commercial deposit and lending products; similar scale and regional community bank profile as FFGC.
• CNB Financial Corporation: CNB Financial (Clearfield, PA) and its CNB Bank subsidiary provide commercial and consumer banking, mortgage, and treasury services throughout Pennsylvania; comparable community bank business model, though typically a bit larger and more geographically spread than FFGC.
• Orrstown Financial Services: Orrstown Financial is a Shippensburg, PA-based community bank holding company serving south-central Pennsylvania and surrounding markets with deposits, commercial loans, mortgages, and wealth services; aligns with FFGC as a Pennsylvania-focused community institution with similar product breadth.
• Emclaire Financial Corp: Emclaire Financial is a Western Pennsylvania community bank holding company (with offices also in Ohio) offering deposit accounts, mortgages, commercial loans, and digital services to consumers and small businesses; comparable to FFGC in product mix, size, and rural/small-town positioning.

Broad incumbents

• F.N.B. Corporation (FNB): F.N.B. Corporation is a large Pittsburgh-headquartered regional banking company with deposit, mortgage, commercial, and wealth services across Pennsylvania and several adjacent states; comparable in offering breadth and Pennsylvania focus, but materially larger and broader than FFGC.

Regional players

• MVB Financial Corp: MVB Financial (Fairmont, WV) operates MVB Bank across West Virginia and adjacent markets with consumer and commercial banking, mortgage, and fintech-banking services; comparable retail/community banking orientation to FFGC's West Virginia mortgage presence, though headquartered in FFGC's growth geography rather than Pennsylvania.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/FFofGreene

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First Federal Savings & Loan Association of Greene County Inc