First Federal Bank, A FSB
Total assets
$182.6M
▲ +0.4% YoY
Deposits
$120.4M
▲ +0.2% YoY
Loans
$150.5M
▲ +0.4% YoY
Offices
3
SOUTHEASTERN FINANCIAL INC
ROA (annualized)
0.74%
peers 1.24%
ROE (annualized)
9.71%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +4.4% | -3.9 pts |
| Deposit growth (YoY) | +0.2% | +4.0% | -3.7 pts |
| Loan growth (YoY) | +0.5% | +5.6% | -5.1 pts |
| ROA | 0.74% | 1.24% | -0.5 pts |
| ROE | 9.7% | 11.9% | -2.2 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
Profile
- Established
- 1959
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- SOUTHEASTERN FINANCIAL INC
- Specialization
- Mortgage Lending Specialization
- Address
- 1300 Mcfarland Blvd Ne, Tuscaloosa, AL, 35406
- County
- Tuscaloosa
- Metro area
- Tuscaloosa, AL
- Offices
- 3
- FDIC cert #
- 31127
- RSSD ID
- 814074
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $182.6M | $120.4M | $150.5M | $13.9M | $661K | 0.74% | 2.74% | 0.50% |
| Q1 2026 | $178.7M | $112.0M | $148.6M | $13.6M | $366K | 0.83% | 2.66% | 0.53% |
| Q4 2025 | $173.0M | $110.5M | $142.8M | $13.4M | $417K | 0.24% | 2.55% | 0.29% |
| Q3 2025 | $175.0M | $115.3M | $144.8M | $13.5M | $591K | 0.45% | 2.50% | 0.26% |
| Q2 2025 | $181.8M | $120.1M | $149.8M | $13.1M | $172K | 0.20% | 2.35% | 0.46% |
| Q1 2025 | $175.1M | $121.6M | $143.2M | $12.9M | $7K | 0.02% | 2.16% | 0.57% |
| Q4 2024 | $163.3M | $118.2M | $132.1M | $12.9M | $-743K | -0.42% | 2.22% | 0.62% |
| Q3 2024 | $184.6M | $133.7M | $152.6M | $13.4M | $-238K | -0.18% | 2.16% | 0.74% |
Loan mix (Q2 2026): real estate $151.6M · commercial $0 · consumer $129K · securities $657K
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.74% | 3.96% | 5th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.6% | 62.9% | 95th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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