First Federal Savings and Loan Association
Total assets
$381.4M
▲ +0.2% YoY
Deposits
$276.2M
▲ +11.7% YoY
Loans
$306.7M
▼ -2.9% YoY
Offices
6
ROA (annualized)
0.42%
peers 1.24%
ROE (annualized)
4.49%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +4.4% | -4.2 pts |
| Deposit growth (YoY) | +11.7% | +4.0% | +7.8 pts |
| Loan growth (YoY) | -2.9% | +5.6% | -8.5 pts |
| ROA | 0.42% | 1.24% | -0.8 pts |
| ROE | 4.5% | 11.9% | -7.4 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
Profile
- Established
- 1955
- Charter
- OCC
- Primary regulator
- OCC
- Specialization
- Mortgage Lending Specialization
- Address
- 903 Jackson Ave, Pascagoula, MS, 39567
- County
- Jackson
- Metro area
- Gulfport-Biloxi, MS
- Offices
- 6
- FDIC cert #
- 30812
- RSSD ID
- 90177
- 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 | $381.4M | $276.2M | $306.7M | $35.8M | $797K | 0.42% | 2.63% | 0.33% |
| Q1 2026 | $377.6M | $270.9M | $307.5M | $35.5M | $409K | 0.43% | 2.60% | 0.31% |
| Q4 2025 | $379.3M | $247.3M | $313.3M | $35.2M | $793K | 0.21% | 2.38% | 0.29% |
| Q3 2025 | $380.7M | $249.5M | $318.7M | $35.0M | $627K | 0.22% | 2.35% | 0.33% |
| Q2 2025 | $380.7M | $247.2M | $316.0M | $34.6M | $374K | 0.20% | 2.31% | 0.33% |
| Q1 2025 | $378.7M | $241.8M | $312.9M | $34.3M | $157K | 0.17% | 2.24% | 0.41% |
| Q4 2024 | $378.7M | $236.6M | $313.1M | $34.0M | $671K | 0.18% | 2.28% | 0.45% |
| Q3 2024 | $378.0M | $234.3M | $311.1M | $34.2M | $560K | 0.20% | 2.32% | 0.40% |
Loan mix (Q2 2026): real estate $307.7M · commercial $0 · consumer $1.7M · securities $38.6M
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 | 0.42% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.96% | 4th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 62.9% | 85th | |
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.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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