First Federal Bank (Dickson, TN)
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Data as of · sourced from FFIEC call reports. How we update
First Federal Bank is an FDIC-insured savings bank headquartered in Dickson, TN, established in 1936 (FDIC certificate 29782), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.11B, up 5.3% from Q2 2025, the 27th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.48% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29782
- Headquarters
- Dickson, TN
- Established
- 1936
- Total assets, Q2 2026
- $1.11B
- Assets vs Q2 2025
- +5.3%
- Tier 1 leverage ratio, Q2 2026
- 10.48%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 264171270
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Bank call report
- Holding company
- SOUTHEASTERN BANCORP, INC.
- Asset rank in state
- 27th of 109 in Tennessee
First Federal Bank, based in Dickson, Tennessee, reported $1.1 billion in assets at June 30, 2026, up 5.3% from a year earlier. It holds about half of its deposits (49%) above the FDIC insurance limit, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also grew its loan book 15.8% over the year, 2.7 times the median of 5.9% for banks its size.
Loans are outrunning deposits: over the year loans rose 15.8% and deposits rose 5.1%. Paper losses on its bond portfolio are shrinking: unrealized losses of $24 million equal 21% of Tier 1 capital, down from 30% a year earlier.
As of June 30, 2026, First Federal Bank reported a return on assets of 1.72%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 2.89%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Federal Bank is the 27th largest of the 109 banks headquartered in Tennessee. Between Q1 2026 and Q2 2026, its total assets rose 1.2% to $1.11B, loans rose 4.9% and deposits rose 0.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 45.0% of total loans, ahead of construction and land development loans at 22.9%. Its 17 offices in the FDIC Summary of Deposits are in 11 cities in TN; its Dickson 3 offices book 32% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Federal Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 611 E College St, Dickson, TN 37055
- County
- Dickson
- Metro Area
- Nashville-Davidson-Murfreesboro-Franklin, TN
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 16, 1936
- Former names
- First Federal Savings Bank (1987-2000)
- Domestic offices
- 17 FDIC institution directory, current count
- Employees (FTE)
- 171
- Domestic deposits
- $978.6M
- Allowance for credit losses
- $13.5M
- Net charge-offs (YTD)
- $36K
- Average total assets
- $1.10B
- Average total loans
- $666.6M
- Average interest-bearing deposits
- $865.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29782
- Fed RSSD
- 220974
- SEC CIK
- 1728288 → filed by SOUTHEASTERN BANCORP, INC.
- Website
- www.ffbtn.com →
- Parent Holding Company
- SOUTHEASTERN BANCORP, INC. (RSSD 3842050)
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, First Federal Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Federal Bank's total assets moved between a low of $966.6M (Q3 2023) and a high of $1.11B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.11B total assets against $1.06B; $995.8M total liabilities against $945.9M.
$673.3M net loans and leases against $580.6M; $978.6M total deposits against $931.4M.
$253.0M securities against $258.3M; $137.6M cash and balances due against $170.4M.
$13.5M total interest income against $12.0M; $4.6M total interest expense against $3.5M.
$8.9M net interest income against $8.5M.
$1.8M total noninterest income against $1.9M; $5.4M total noninterest expense against $5.1M.
$198K provision for credit losses against $300K.
$4.7M net income against $4.6M.
1.72% return on assets against 1.82%; 3.46% net interest margin against 3.62%.
10.48% tier 1 leverage ratio against 10.88%.
Inside the full First 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First Federal Bank rankings
Its closest position to the top of a national ranking is 110 of 980, for uninsured deposits; its furthest is 1,891 of 3,640, for Texas Ratio.
Metric pages for First Federal Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.26% (Q3 2025) to 1.82% (Q4 2024) and its net interest margin ran from 3.25% (Q1 2026) to 4.11% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.48% | 1.72% | 0.52% | 2.89% | 3.46% |
| Q1 2026 | 10.48% | 1.50% | 0.60% | 3.21% | 3.25% |
| Q4 2025 | 10.55% | 1.63% | 0.43% | 2.19% | 3.33% |
| Q3 2025 | 10.47% | 1.26% | 0.39% | 1.99% | 3.29% |
| Q2 2025 | 10.88% | 1.82% | 0.57% | 2.88% | 3.62% |
| Q1 2025 | 11.04% | 1.63% | 0.44% | 2.20% | 3.41% |
| Q4 2024 | 10.73% | 1.82% | 0.56% | 2.94% | 4.11% |
| Q3 2024 | 10.53% | 1.44% | 0.18% | 0.92% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
View all 17 branches → 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 |
|---|---|---|---|
| First Federal Bank (main office) | Dickson , TN | 37055 | $221.8M |
| Waverly Branch | Waverly , TN | 37185 | $131.8M |
| Clarksville Main Br | Clarksville , TN | 37040 | $126.6M |
| Charlotte Branch | Charlotte , TN | 37036 | $71.2M |
| Highway 46 South Branch | Dickson , TN | 37055 | $70.7M |
| Hilltop Branch | Clarksville , TN | 37040 | $48.0M |
| 9597 Hwy 70 East | Mc Ewen , TN | 37101 | $45.7M |
| Centerville Branch | Centerville , TN | 37033 | $36.4M |
| Vanleer Branch | Vanleer , TN | 37181 | $33.9M |
| Dover Road Branch | Clarksville , TN | 37042 | $32.0M |
| Burns Branch | Burns , TN | 37029 | $31.4M |
| White Bluff Branch | White Bluff , TN | 37187 | $30.6M |
| 200 Henslee Drive Branch | Dickson , TN | 37055 | $24.2M |
| Madison Branch | Clarksville , TN | 37043 | $23.7M |
| New Johnsonville Branch | New Johnsonville , TN | 37134 | $20.4M |
| 302 Fairview Blvd Branch | Fairview , TN | 37062 | $16.4M |
| Wilma Rudolph Branch | Clarksville , TN | 37040 | $14.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2018 | Structure Change | Acquired Cumberland Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC (former OTS)); 1 against individuals associated with it
- October 31, 2005, OCC (former OTS): Termination of Cease and Desist: First Federal Bank
- December 15, 2004, OCC (former OTS): Cease and Desist: First Federal Bank
- Period: Most recent institution action October 31, 2005. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in TN, rank 41 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 382 applications, 315 loans originated, $70.0M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $80K approved, $40K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, 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 First Federal Bank
What are First Federal Bank's total assets?
As of the Q2 2026 filing, First Federal Bank reported total assets of $1.11 billion in its FFIEC call report.
Where is First Federal Bank headquartered?
It is headquartered in Dickson, TN, United States.
When was First Federal Bank founded?
It was established in 1936, per the FDIC institution directory.
Is First Federal Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29782). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Bank?
First Federal Bank's primary federal regulator is the FDIC.
How many branches does First Federal Bank operate?
It operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Bank's Texas Ratio?
Its Texas Ratio is 2.89% 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 First Federal Bank previously called?
The charter now named First Federal Bank has also operated as First Federal Savings Bank (1987-2000), per FDIC structure-change records.
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