First Federal Bank
Total assets
$4.49B
▲ +6.9% YoY
Deposits
$3.44B
▲ +7.1% YoY
Loans
$1.42B
▲ +4.5% YoY
Offices
29
FIRST FEDERAL BCORP MHC
ROA (annualized)
1.19%
peers 1.26%
ROE (annualized)
11.61%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | First Federal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +5.5% | +1.5 pts |
| Deposit growth (YoY) | +7.1% | +5.1% | +2.0 pts |
| Loan growth (YoY) | +4.5% | +5.9% | -1.4 pts |
| ROA | 1.19% | 1.26% | -0.1 pts |
| ROE | 11.6% | 12.2% | -0.6 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
Profile
- Established
- 1961
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- FIRST FEDERAL BCORP MHC
- Specialization
- All Other Over 1 Billion
- Address
- 4705 W Us Highway 90, Lake City, FL, 32055
- County
- Columbia
- Metro area
- Lake City, FL
- Offices
- 29
- FDIC cert #
- 31313
- RSSD ID
- 384278
- 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 | $4.49B | $3.44B | $1.42B | $465.8M | $26.2M | 1.19% | 3.32% | 0.95% |
| Q1 2026 | $4.38B | $3.46B | $1.36B | $443.6M | $13.3M | 1.22% | 3.21% | 1.03% |
| Q4 2025 | $4.31B | $3.20B | $1.37B | $445.5M | $23.7M | 0.58% | 3.14% | 1.03% |
| Q3 2025 | $4.14B | $3.19B | $1.31B | $428.3M | $32.2M | 1.07% | 3.22% | 1.32% |
| Q2 2025 | $4.19B | $3.21B | $1.36B | $397.1M | $20.5M | 1.02% | 3.22% | 0.96% |
| Q1 2025 | $3.97B | $3.15B | $1.24B | $384.3M | $10.5M | 1.07% | 3.16% | 1.19% |
| Q4 2024 | $3.82B | $3.33B | $1.25B | $368.8M | $38.4M | 0.97% | 3.21% | 1.22% |
| Q3 2024 | $3.95B | $3.24B | $1.28B | $366.9M | $29.4M | 0.98% | 3.21% | 1.15% |
Loan mix (Q2 2026): real estate $935.0M · commercial $157.3M · consumer $88.3M · securities $2.52B
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | First Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.26% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.2% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.70% | 27th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.7% | 59.0% | 72th | |
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 | First Federal Bank | 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 | First Federal Bank | 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 | First Federal Bank | 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 | First Federal Bank | 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.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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