First Federal Bank (Dunn, NC)
BankRegReports is independent of First Federal Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First Federal Bank is an FDIC-insured savings institution headquartered in Dunn, NC, established in 1958 (FDIC certificate 31077), and it is supervised by the OCC. At Q2 2026 it reported total assets of $275.3M, up 4.8% from Q2 2025, the 26th largest of 38 banks headquartered in North Carolina. Its CET1 capital ratio was 15.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 31077
- Headquarters
- Dunn, NC
- Established
- 1958
- Total assets, Q2 2026
- $275.3M
- Assets vs Q2 2025
- +4.8%
- CET1 ratio, Q2 2026
- 15.75%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 253170334
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Bank call report
- Holding company
- FIRST FEDERAL FINANCIAL CORPORATION
- Asset rank in state
- 26th of 38 in North Carolina
First Federal Bank spends more to run itself than most banks of its size. Based in Dunn, North Carolina, it had $275 million in assets at June 30, 2026, up 4.8% from a year earlier. It spends about 85 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $0.50 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
Earnings jumped: net income for the quarter was $348,000, 122% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $9.1 million equal 35% of Tier 1 capital, down from 45% a year earlier. Its margin is thin by comparison: it keeps 3.20 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, First Federal Bank reported a CET1 capital ratio of 15.75%, a return on assets of 0.50%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 4.71%. The figures come from its call report filed with the FFIEC.
Of the 38 banks headquartered in North Carolina, First Federal Bank is the 26th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.2% to $275.3M, loans rose 0.7% and deposits rose 1.1%. 1-4 family residential loans made up 62.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 12.3%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities in NC; its Dunn 2 offices book 51% of its branch deposits. On its Q2 2026 call report, First Federal Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 E Divine St, Dunn, NC 28334
- County
- Harnett
- Metro Area
- Anderson Creek, NC
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1958
- Former names
- First Federal Savings Bank (1988-2003)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 56
- Domestic deposits
- $250.5M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $280.6M
- Average total loans
- $201.6M
- Average interest-bearing deposits
- $191.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31077
- Fed RSSD
- 943974
- Website
- www.firstfederalbanknc.com →
- Parent Holding Company
- FIRST FEDERAL FINANCIAL CORPORATION (RSSD 1253821)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Federal Bank's total assets ranged from $253.1M (Q3 2024) to $275.3M (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
$275.3M total assets against $262.7M; $256.5M total liabilities against $247.0M.
$200.9M net loans and leases against $187.9M; $250.5M total deposits against $241.0M.
$46.2M securities against $46.0M; $17.5M cash and balances due against $18.0M.
$3.2M total interest income against $2.9M; $1.0M total interest expense against $914K.
$2.2M net interest income against $2.0M.
$269K total noninterest income against $248K; $2.1M total noninterest expense against $2.0M.
$0 provision for credit losses against $189K.
$348K net income against $157K.
0.50% return on assets against 0.23%; 3.20% net interest margin against 3.03%.
15.75% CET1 capital ratio against 15.91%; 9.38% tier 1 leverage ratio against 9.25%.
Inside the full First Federal Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Federal Bank rankings
Its closest position to the top of a national ranking is 743 of 2,134, for CET1 ratio; its furthest is 3,371 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.02% (Q3 2024) to 0.50% (Q2 2026) and its net interest margin ran from 2.67% (Q3 2024) to 3.20% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.75% | 0.50% | 0.47% | 4.71% | 3.20% |
| Q1 2026 | 15.34% | 0.18% | 0.53% | 5.40% | 3.12% |
| Q4 2025 | 15.65% | 0.37% | 0.56% | 5.62% | 3.18% |
| Q3 2025 | 15.59% | 0.35% | 0.83% | 8.29% | 3.18% |
| Q2 2025 | 15.91% | 0.23% | 0.86% | 9.26% | 3.03% |
| Q1 2025 | 15.99% | 0.19% | 0.84% | 8.55% | 2.88% |
| Q4 2024 | 15.87% | 0.13% | 0.38% | 3.94% | 2.75% |
| Q3 2024 | 16.53% | 0.02% | 0.40% | 3.78% | 2.67% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Cumberland Branch | Dunn , NC | 28334 | $127.1M |
| Fuquay-Varina Branch | Fuquay Varina , NC | 27526 | $36.6M |
| Benson Branch | Benson , NC | 27504 | $23.9M |
| Erwin Branch | Erwin , NC | 28339 | $23.1M |
| Angier Branch | Angier , NC | 27501 | $21.5M |
| Clayton Branch | Clayton , NC | 27520 | $18.3M |
| First Federal Bank (main office) | Dunn , NC | 28334 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NC, rank 51 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 51 applications, 44 loans originated, $19.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows First Federal Bank’s latest filed figures and updates each quarter.
Similar banks
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 $275.3 million in its FFIEC call report.
Where is First Federal Bank headquartered?
It is headquartered in Dunn, NC, United States.
When was First Federal Bank founded?
It was established in 1958, per the FDIC institution directory.
Is First Federal Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #31077). 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 OCC.
What is First Federal Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Federal Bank operate?
It operates 7 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 4.71% 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 (1988-2003), per FDIC structure-change records.
Go deeper on First Federal Bank.
Get an email when First Federal Bank files its next call report, and benchmark it against any peer you choose.
Unlock First Federal Bank, freeFree account