FIRST FEDERAL BANK

LAKE CITY, FL | Large | Est. Jan. 1, 1961, midnight | FDIC #31313 | RSSD #384278 | OCC
Latest Report: 2025-12-31

FIRST FEDERAL BANK is aln large FDIC-insured commercial bank headquartered in LAKE CITY, FL, established in Jan. 1, 1961, midnight. As of 2025-12-31, the bank reported total assets of $4.3B and total deposits of $3.2B. Profitability stands at -0.80% ROA and -7.78% ROE, with a net interest margin of 2.81%. The bank's CET1 capital ratio is 20.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.64% and a Texas Ratio of 2.08%. FDIC Certificate #31313.

Assets

$4.3B

Deposits

$3.2B

Loans

$1.4B

Equity

$446M

Profitability

Return on Assets (ROA) -0.80%
Return on Equity (ROE) -7.78%
Net Interest Margin (NIM) 2.81%
Yield on Assets 4.77%
Cost of Funds 2.41%

Asset Quality

NPL Ratio 0.64%
Net Charge-Off Ratio 0.08%
Texas Ratio 2.08%
NPA Ratio 0.22%
ACL / Loans 0.79%

Capital & Liquidity

CET1 Ratio 20.66%
Tier 1 Capital 20.66%
Total Capital Ratio 21.15%
Leverage Ratio 10.71%
Loan-to-Deposit 43.13%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required