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: 10.15 percentage points higher than in Q1 2026, at 98.90%. First Federal Bank ranks 34th of 79 Florida banks on return on assets, in the upper half at 1.15% (Q2 2026). First Federal Bank reported 1.15% on return on assets for Q2 2026, 0.13 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.56% |
| Tier 1 risk-based capital ratio | 20.56% |
| Total risk-based capital ratio | 21.06% |
| Tier 1 leverage ratio | 10.83% |
| Equity capital to assets | 10.38% |
| Tangible equity to tangible assets | 9.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.77% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 10.90% |
| Allowance for credit losses to loans | 0.76% |
| Reserve coverage of non-performing loans | 98.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.15% |
| Return on equity | 11.40% |
| Net interest margin | 3.45% |
| Efficiency ratio | 66.04% |
| Yield on earning assets | 5.29% |
| Cost of funds | 1.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 41.67% |
| Core deposits to total deposits | 71.18% |
| Brokered deposits to total deposits | 25.18% |
| Deposits to assets | 76.65% |
| Securities to assets | 56.28% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.13% | 18.13% | 18.71% | 9.09% | 0.86% |
| Q4 2023 | 18.47% | 18.47% | 19.02% | 9.55% | 0.49% |
| Q1 2024 | 18.23% | 18.23% | 18.63% | 9.38% | 0.67% |
| Q2 2024 | 17.16% | 17.16% | 17.51% | 9.36% | 1.04% |
| Q3 2024 | 20.13% | 20.13% | 20.53% | 9.98% | 1.05% |
| Q4 2024 | 20.16% | 20.16% | 20.57% | 10.50% | 0.88% |
| Q1 2025 | 21.27% | 21.27% | 21.70% | 10.90% | 1.03% |
| Q2 2025 | 20.38% | 20.38% | 20.78% | 10.77% | 0.94% |
| Q3 2025 | 21.95% | 21.95% | 22.39% | 11.25% | 1.11% |
| Q4 2025 | 20.66% | 20.66% | 21.15% | 10.71% | -0.78% |
| Q1 2026 | 21.03% | 21.03% | 21.55% | 10.94% | 1.22% |
| Q2 2026 | 20.56% | 20.56% | 21.06% | 10.83% | 1.15% |
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 31313) · FFIEC NIC profile (RSSD 384278)