BanksFIRST FEDERAL BANK

FIRST FEDERAL BANK

LAKE CITY, FLLargeEst. Jan. 1, 1961, midnightFDIC #31313RSSD #384278OCC
Latest · 2025-12-31

FIRST FEDERAL BANK is an 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%. CET1 capital ratio: 20.66%, well above regulatory minimums. NPL ratio: 0.64% · Texas Ratio: 2.08%. Operates 26 domestic branches.

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 Margin2.81%
Yield on Assets4.77%
Cost of Funds2.07%

Asset Quality

NPL Ratio0.64%
Net Charge-Off Ratio0.08%
Texas Ratio2.08%
NPA Ratio0.22%
ACL / Loans0.79%

Capital & Liquidity

CET1 Ratio20.66%
Tier 1 Capital20.66%
Total Capital Ratio21.15%
Leverage Ratio10.71%
Loan-to-Deposit43.13%

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