FIRST FEDERAL COMMUNITY BANK, SSB

PARIS, TX | Medium | Est. Jan. 1, 1922, midnight | FDIC #27678 | RSSD #898579 | FDIC
Latest Report: 2025-12-31

FIRST FEDERAL COMMUNITY BANK, SSB is amn medium FDIC-insured commercial bank headquartered in PARIS, TX, established in Jan. 1, 1922, midnight. As of 2025-12-31, the bank reported total assets of $608M and total deposits of $526M. Profitability stands at 0.99% ROA and 8.01% ROE, with a net interest margin of 4.02%. The bank's CET1 capital ratio is 17.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.41% and a Texas Ratio of 2.71%. FDIC Certificate #27678.

Assets

$608M

Deposits

$526M

Loans

$480M

Equity

$75M

Profitability

Return on Assets (ROA) 0.99%
Return on Equity (ROE) 8.01%
Net Interest Margin (NIM) 4.02%
Yield on Assets 6.02%
Cost of Funds 2.13%

Asset Quality

NPL Ratio 0.41%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.71%
NPA Ratio 0.36%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 17.99%
Tier 1 Capital 17.99%
Total Capital Ratio 19.24%
Leverage Ratio 12.79%
Loan-to-Deposit 91.27%

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