FIRST FEDERAL BANK, A FSB

TUSCALOOSA, AL | Small | Est. Nov. 20, 1959, midnight | FDIC #31127 | RSSD #814074 | OCC
Latest Report: 2025-12-31

FIRST FEDERAL BANK, A FSB is asn small FDIC-insured commercial bank headquartered in TUSCALOOSA, AL, established in Nov. 20, 1959, midnight. As of 2025-12-31, the bank reported total assets of $173M and total deposits of $111M. Profitability stands at -0.40% ROA and -5.18% ROE, with a net interest margin of 2.63%. The bank's CET1 capital ratio is 12.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.31% and a Texas Ratio of 3.03%. FDIC Certificate #31127.

Assets

$173M

Deposits

$111M

Loans

$144M

Equity

$13M

Profitability

Return on Assets (ROA) -0.40%
Return on Equity (ROE) -5.18%
Net Interest Margin (NIM) 2.63%
Yield on Assets 5.75%
Cost of Funds 3.22%

Asset Quality

NPL Ratio 0.31%
Net Charge-Off Ratio 0.01%
Texas Ratio 3.03%
NPA Ratio 0.26%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 12.45%
Tier 1 Capital 12.45%
Total Capital Ratio 13.70%
Leverage Ratio 7.98%
Loan-to-Deposit 130.48%

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