Branch Network
First Federal Bank Locations & Branches Lake City, Florida
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First Federal Bank operates 27 branches from its headquarters in Lake City, FL, .
First Federal Bank branch network
Its 27 branches span 2 states and 19 cities. The most are in FLORIDA (25) and SOUTH CAROLINA (2). FLORIDA holds 97.3% of its branch deposits. Lake City, FL has the most of its branches, 3. Its largest office by deposits is its main office in Lake City, FL, with $1.19B (34.5% of its branch deposits). On June 30, 2025 it had 26 branches, 1 fewer than in 2026.
First Federal Bank at a glance
Its CET1 capital ratio was 20.56% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $4.49B
- CET1 ratio, Q2 2026
- 20.56%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1961
Full financial profile · Is First Federal Bank safe? · First Federal Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Lake City, FL (3 branches) | 1 of 6 | 71.8% | $1.59B |
| State: FL (25 branches) | 32 of 186 | 0.4% | $3.34B |
Ranked by total assets among banks headquartered in the state: Largest banks in Florida.
Share by county and metro area
First Federal Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Columbia, FL (3 branches) | 1 of 6 | 71.8% | $1.59B | $2.22B |
| Suwannee, FL (3 branches) | 1 of 5 | 57.3% | $586.3M | $1.02B |
| Nassau, FL (3 branches) | 2 of 12 | 16.3% | $297.2M | $1.83B |
| Jackson, FL (3 branches) | 1 of 8 | 22.3% | $189.7M | $849.0M |
| Baker, FL (1 branch) | 1 of 3 | 43.7% | $143.9M | $329.2M |
| Holmes, FL (1 branch) | 1 of 2 | 77.7% | $104.7M | $134.8M |
| Marion, FL (3 branches) | 15 of 21 | 1.3% | $100.7M | $7.60B |
| Bay, FL (1 branch) | 10 of 18 | 2.1% | $98.0M | $4.74B |
| Hamilton, FL (1 branch) | 1 of 1 | 100.0% | $87.4M | $87.4M |
| Beaufort, SC (1 branch) | 13 of 20 | 1.1% | $68.5M | $6.51B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Lake City, FL (3 branches) | 1 of 6 | 71.8% | $1.59B | $2.22B |
| Jacksonville, FL (5 branches) | 15 of 36 | 0.4% | $452.9M | $120.78B |
| Ocala, FL (3 branches) | 15 of 21 | 1.3% | $100.7M | $7.60B |
| Panama City, FL (1 branch) | 10 of 18 | 2.1% | $98.0M | $4.74B |
| Hilton Head Island-Bluffton, SC (1 branch) | 14 of 21 | 1.0% | $68.5M | $6.94B |
| Gainesville, FL (2 branches) | 15 of 20 | 0.6% | $38.8M | $6.54B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Federal Bank (main office) | Lake City, FL | 32055 | $1.19B |
| South Ohio Avenue Branch | Live Oak, FL | 32064 | $532.2M |
| 1255 South First Street Branch | Lake City, FL | 32025 | $251.5M |
| Fernandina Main Office Branch | Fernandina Beach, FL | 32034 | $228.5M |
| Highway 90 W. Branch | Lake City, FL | 32055 | $154.8M |
| Macclenny Branch | Macclenny, FL | 32063 | $143.9M |
| Bonifay Branch | Bonifay, FL | 32425 | $104.7M |
| First Federal Bank of Florida Branch | Panama City, FL | 32407 | $98.0M |
| Jasper Branch | Jasper, FL | 32052 | $87.4M |
| Chipola Community Branch | Marianna, FL | 32446 | $85.7M |
| Ocala First Avenue Branch | Ocala, FL | 34471 | $75.0M |
| Marianna West Office | Marianna, FL | 32446 | $72.1M |
| Sea Island Branch | Beaufort, SC | 29907 | $68.5M |
| Chipley Branch | Chipley, FL | 32428 | $52.0M |
| Yulee Branch | Yulee, FL | 32097 | $50.7M |
| Highway 51 N. Branch | Mayo, FL | 32066 | $38.9M |
| Graceville Branch | Graceville, FL | 32440 | $31.9M |
| Dowling Park Branch | Dowling Park, FL | 32060 | $30.5M |
| Port Royal Branch | Port Royal, SC | 29935 | $25.4M |
| Live Oak Branch | Live Oak, FL | 32064 | $23.6M |
| Oak Hammock Branch | Gainesville, FL | 32608 | $22.6M |
| Hwy 40 Branch | Ocala, FL | 34482 | $20.7M |
| Wildlight Branch | Yulee, FL | 32097 | $18.1M |
| Gainesville | Gainesville, FL | 32608 | $16.2M |
| Touchton Road Branch | Jacksonville, FL | 32246 | $11.7M |
| On Top of the World Branch | Ocala, FL | 34481 | $5.0M |
| Starke Branch | Starke, FL | 32091 | $875K |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 31313) · FFIEC NIC profile (RSSD 384278)