FIRST FEDERAL BANK

DUNN, NC | Small | Est. Jan. 1, 1958, midnight | FDIC #31077 | RSSD #943974 | OCC
Latest Report: 2025-12-31

FIRST FEDERAL BANK is asn small FDIC-insured commercial bank headquartered in DUNN, NC, established in Jan. 1, 1958, midnight. As of 2025-12-31, the bank reported total assets of $272M and total deposits of $247M. Profitability stands at 0.39% ROA and 5.79% ROE, with a net interest margin of 3.44%. The bank's CET1 capital ratio is 15.65%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.56% and a Texas Ratio of 5.62%. FDIC Certificate #31077.

Assets

$272M

Deposits

$247M

Loans

$197M

Equity

$18M

Profitability

Return on Assets (ROA) 0.39%
Return on Equity (ROE) 5.79%
Net Interest Margin (NIM) 3.44%
Yield on Assets 4.96%
Cost of Funds 1.50%

Asset Quality

NPL Ratio 0.56%
Net Charge-Off Ratio 0.25%
Texas Ratio 5.62%
NPA Ratio 0.41%
ACL / Loans 0.78%

Capital & Liquidity

CET1 Ratio 15.65%
Tier 1 Capital 15.65%
Total Capital Ratio 16.69%
Leverage Ratio 9.26%
Loan-to-Deposit 79.73%

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