First 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: 90.73 percentage points lower than in Q1 2026, at 209.88%. Within Tennessee, First Federal Bank is 25th of 109 on return on assets, 1.72% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. First Federal Bank sits 0.44 points higher, at 1.72% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.48% |
| Equity capital to assets | 10.43% |
| Tangible equity to tangible assets | 10.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.93% |
| Non-performing assets ratio | 0.58% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 5.39% |
| Allowance for credit losses to loans | 1.96% |
| Reserve coverage of non-performing loans | 209.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.72% |
| Return on equity | 16.49% |
| Net interest margin | 3.46% |
| Efficiency ratio | 48.38% |
| Yield on earning assets | 5.17% |
| Cost of funds | 1.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.17% |
| Core deposits to total deposits | 85.02% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.03% |
| Securities to assets | 22.76% |
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 | 9.90% | 1.32% | 3.28% | 0.49% | -0.04% |
| Q4 2023 | 10.31% | 1.71% | 3.30% | 0.43% | -0.06% |
| Q1 2024 | 10.38% | 1.30% | 3.09% | 0.57% | 0.00% |
| Q2 2024 | 10.34% | 1.38% | 3.51% | 0.61% | -0.03% |
| Q3 2024 | 10.53% | 1.44% | 3.44% | 0.71% | 0.17% |
| Q4 2024 | 10.73% | 1.82% | 4.11% | 0.58% | 0.28% |
| Q1 2025 | 11.04% | 1.63% | 3.41% | 0.44% | 0.03% |
| Q2 2025 | 10.88% | 1.82% | 3.62% | 0.83% | -0.03% |
| Q3 2025 | 10.47% | 1.26% | 3.29% | 0.70% | 0.64% |
| Q4 2025 | 10.55% | 1.63% | 3.33% | 0.49% | 0.01% |
| Q1 2026 | 10.48% | 1.50% | 3.25% | 0.68% | 0.00% |
| Q2 2026 | 10.48% | 1.72% | 3.46% | 0.93% | 0.02% |
First Federal Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 First Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29782) · FFIEC NIC profile (RSSD 220974)