Bank Comparison
First Federal Savings & Loan Association of Pascagoula-moss Point vs Wolf River Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
First Federal Savings & Loan Association of Pascagoula-moss Point
RSSD 90177 · PASCAGOULA, MS
Full profile →vs
3 · 17
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Federal Savings & Loan Association of Pascagoula-moss Point | Wolf River Community Bank |
|---|---|---|
| CET1 Ratio | 19.53% | — |
| Tier 1 Capital Ratio | 19.53% | — |
| Total Capital Ratio | 39.05% | — |
| Tier 1 Leverage Ratio | 9.57% | 11.74% |
| Equity / Assets | 9.41% | 11.69% |
Profitability
| Metric | First Federal Savings & Loan Association of Pascagoula-moss Point | Wolf River Community Bank |
|---|---|---|
| Return on Assets (ROA) | 0.43% | 1.83% |
| Return on Equity (ROE) | 4.62% | 16.02% |
| Net Interest Margin (NIM) | 2.58% | 4.53% |
| Yield on Earning Assets | 5.26% | 5.79% |
| Cost of Funds | 2.83% | 1.38% |
Asset quality
| Metric | First Federal Savings & Loan Association of Pascagoula-moss Point | Wolf River Community Bank |
|---|---|---|
| Texas Ratio | 5.62% | 0.34% |
| Non-Performing Loan Ratio | 0.36% | 0.05% |
| Non-Performing Asset Ratio | 0.51% | 0.04% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.41% | 1.69% |
Balance sheet
| Metric | First Federal Savings & Loan Association of Pascagoula-moss Point | Wolf River Community Bank |
|---|---|---|
| Total Assets | $377,630K | $378,146K |
| Total Deposits | $270,926K | $307,443K |
| Total Loans | $308,785K | $305,509K |
| Total Equity | $35,539K | $44,194K |
| Net Income (quarter) | $409 | $1,749K |
Liquidity & funding
| Metric | First Federal Savings & Loan Association of Pascagoula-moss Point | Wolf River Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 113.97% | 99.37% |
| Core Deposit Ratio | 83.68% | 94.42% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Federal Savings & Loan Association of Pascagoula-moss Point | Wolf River Community Bank |
|---|---|---|
| Headquarters City | PASCAGOULA | HORTONVILLE |
| Headquarters State | MS | WI |
| Asset Tier | Small | Small |
| Charter Class | 705957 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 6 | 4 |
| Employees (FTE) | 50 | 48 |
| Established | Oct. 28, 1955, midnight | Oct. 16, 1996, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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