Financial Federal Bank
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Data as of · sourced from FFIEC call reports. How we update
Financial Federal Bank is an FDIC-insured commercial bank headquartered in Memphis, TN, established in 1973 (FDIC certificate 31840), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.12B, up 3.5% from Q2 2025, the 26th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.92% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 31840
- Headquarters
- Memphis, TN
- Established
- 1973
- Total assets, Q2 2026
- $1.12B
- Assets vs Q2 2025
- +3.5%
- Tier 1 leverage ratio, Q2 2026
- 9.92%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 284071949
- Latest call report
- Q2 2026, FFIEC 051 · Financial Federal Bank call report
- Holding company
- FINANCIAL FEDCORP INC
- Asset rank in state
- 26th of 109 in Tennessee
Financial Federal Bank, based in Memphis, Tennessee, reported $1.1 billion in assets at June 30, 2026, up 3.5% from a year earlier. It keeps 2.65 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also pays an average of 3.80% on its deposits and borrowings, about double the median of 2.01% for banks its size.
Net income for the quarter rose 27% from a year earlier, to $2.7 million. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.05% of loans from 0.49%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Financial Federal Bank reported a return on assets of 0.99%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.49%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Financial Federal Bank is the 26th largest of the 109 banks headquartered in Tennessee. From Q1 2026 to Q2 2026, its total assets rose 0.3% to $1.12B, loans rose 0.8% and deposits rose 2.5%. 1-4 family residential loans made up 35.7% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 16.1%. The FDIC Summary of Deposits lists a single office for it, in Memphis, TN. On its Q2 2026 call report, Financial Federal Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1715 Aaron Brenner Dr, Memphis, TN 38120
- County
- Shelby
- Metro Area
- Memphis, TN-Ms-Ar
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1973
- Former names
- Financial Federal Savings Bank (1985-2012)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 67
- Domestic deposits
- $879.7M
- Allowance for credit losses
- $8.2M
- Net charge-offs (YTD)
- $86K
- Average total assets
- $1.11B
- Average total loans
- $1.07B
- Average interest-bearing deposits
- $848.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31840
- Fed RSSD
- 590976
- Website
- www.finfedmem.com →
- Parent Holding Company
- FINANCIAL FEDCORP INC (RSSD 1144741)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Financial Federal Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Financial Federal Bank's total assets ran between $950.5M (Q3 2023) and $1.12B (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.12B total assets against $1.09B; $1.01B total liabilities against $979.9M.
$1.07B net loans and leases against $1.03B; $879.7M total deposits against $809.5M.
$0 securities against $0; $34.6M cash and balances due against $33.9M.
$16.8M total interest income against $16.4M; $9.4M total interest expense against $10.6M.
$7.3M net interest income against $5.8M.
$123K total noninterest income against $469K; $4.2M total noninterest expense against $3.7M.
$350K provision for credit losses against $200K.
$2.7M net income against $2.2M.
0.99% return on assets against 0.80%; 2.65% net interest margin against 2.15%.
9.92% tier 1 leverage ratio against 9.83%.
Inside the full Financial Federal Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Financial Federal Bank rankings
Its closest position to the top of a national ranking is 933 of 4,196, for total assets; its furthest is 2,960 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.00% (Q4 2024) to 1.04% (Q1 2026) and its net interest margin ran from 1.68% (Q3 2024) to 2.65% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.92% | 0.99% | 0.05% | 0.49% | 2.65% |
| Q1 2026 | 9.94% | 1.04% | 0.06% | 2.04% | 2.54% |
| Q4 2025 | 9.73% | 0.45% | 0.23% | 2.13% | 2.44% |
| Q3 2025 | 9.89% | 0.95% | 0.52% | 4.73% | 2.33% |
| Q2 2025 | 9.83% | 0.80% | 0.49% | 4.47% | 2.15% |
| Q1 2025 | 9.82% | 0.72% | 0.05% | 0.46% | 2.00% |
| Q4 2024 | 9.68% | 0.00% | 0.09% | 0.87% | 1.85% |
| Q3 2024 | 9.96% | 0.50% | 0.02% | 0.20% | 1.68% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Financial Federal Bank (main office) | Memphis , TN | 38120 | $879.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in TN, rank 47 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 222 applications, 197 loans originated, $70.4M originated, across 15 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 5 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2020-Q1 to 2021-Q4. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, SBA 7(a) lending, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Financial Federal Bank
What are Financial Federal Bank's total assets?
As of the Q2 2026 filing, Financial Federal Bank reported total assets of $1.12 billion in its FFIEC call report.
Where is Financial Federal Bank headquartered?
It is headquartered in Memphis, TN, United States.
When was Financial Federal Bank founded?
It was established in 1973, per the FDIC institution directory.
Is Financial Federal Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #31840). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Financial Federal Bank?
Financial Federal Bank's primary federal regulator is the Federal Reserve.
How many branches does Financial Federal Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Financial Federal Bank's Texas Ratio?
Its Texas Ratio is 0.49% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Financial Federal Bank previously called?
The charter now named Financial Federal Bank has also operated as Financial Federal Savings Bank (1985-2012), per FDIC structure-change records.
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