FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF VALDOSTA

VALDOSTA, GA | Small | Est. Sept. 1, 1934, midnight | FDIC #29164 | RSSD #828174 | OCC
Latest Report: 2025-12-31

FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF VALDOSTA is asn small FDIC-insured commercial bank headquartered in VALDOSTA, GA, established in Sept. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $272M and total deposits of $196M. Profitability stands at -0.52% ROA and -4.21% ROE, with a net interest margin of 4.14%. The bank's CET1 capital ratio is 12.03%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.64% and a Texas Ratio of 11.65%. FDIC Certificate #29164.

Assets

$272M

Deposits

$196M

Loans

$239M

Equity

$33M

Profitability

Return on Assets (ROA) -0.52%
Return on Equity (ROE) -4.21%
Net Interest Margin (NIM) 4.14%
Yield on Assets 6.45%
Cost of Funds 2.48%

Asset Quality

NPL Ratio 1.64%
Net Charge-Off Ratio 0.03%
Texas Ratio 11.65%
NPA Ratio 1.44%
ACL / Loans 0.41%

Capital & Liquidity

CET1 Ratio 12.03%
Tier 1 Capital 12.03%
Total Capital Ratio 12.63%
Leverage Ratio 12.26%
Loan-to-Deposit 121.99%

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