Financial Federal Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 83.30 percentage points lower than in Q1 2026, at 819.30%. Within Tennessee, Financial Federal Bank is 69th of 109 on return on assets, 0.99% as of Q2 2026, below the middle of the field. Financial Federal Bank reported 0.99% on return on assets for Q2 2026, 0.29 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.92% |
| Equity capital to assets | 9.81% |
| Tangible equity to tangible assets | 9.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 0.84% |
| Allowance for credit losses to loans | 0.76% |
| Reserve coverage of non-performing loans | 819.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 9.98% |
| Net interest margin | 2.65% |
| Efficiency ratio | 55.90% |
| Yield on earning assets | 6.05% |
| Cost of funds | 3.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 122.89% |
| Core deposits to total deposits | 75.60% |
| Brokered deposits to total deposits | 8.73% |
| Deposits to assets | 78.30% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.98% | 0.69% | 1.90% | 0.06% | 0.00% |
| Q4 2023 | 10.46% | -0.44% | 1.75% | 0.06% | 0.00% |
| Q1 2024 | 10.04% | 0.42% | 1.61% | 0.05% | 0.00% |
| Q2 2024 | 10.02% | 0.34% | 1.60% | 0.04% | 0.00% |
| Q3 2024 | 9.96% | 0.50% | 1.68% | 0.02% | 0.00% |
| Q4 2024 | 9.68% | -0.00% | 1.85% | 0.13% | 0.01% |
| Q1 2025 | 9.82% | 0.72% | 2.00% | 0.07% | 0.00% |
| Q2 2025 | 9.83% | 0.80% | 2.15% | 0.51% | 0.01% |
| Q3 2025 | 9.89% | 0.95% | 2.33% | 0.55% | 0.00% |
| Q4 2025 | 9.73% | 0.45% | 2.44% | 0.25% | 0.75% |
| Q1 2026 | 9.94% | 1.04% | 2.54% | 0.08% | 0.01% |
| Q2 2026 | 9.92% | 0.99% | 2.65% | 0.09% | 0.02% |
Financial Federal Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Financial Federal Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Financial Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31840) · FFIEC NIC profile (RSSD 590976)