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.
Reserve coverage of non-performing loans climbed 9.41 percentage points in Q2 2026, from 104.90% to 114.31%. It was the largest change from Q1 2026 among the key lines here. Within North Carolina, First Federal Bank is 31st of 38 on return on assets, 0.38% as of Q2 2026, below the middle of the field. First Federal Bank's return on assets of 0.38% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.87 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.47% |
| Tier 1 risk-based capital ratio | 15.47% |
| Total risk-based capital ratio | 16.59% |
| Tier 1 leverage ratio | 9.25% |
| Equity capital to assets | 6.77% |
| Tangible equity to tangible assets | 6.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.73% |
| Non-performing assets ratio | 0.54% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 7.27% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | 114.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.38% |
| Return on equity | 5.83% |
| Net interest margin | 3.20% |
| Efficiency ratio | 83.99% |
| Yield on earning assets | 4.67% |
| Cost of funds | 1.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.87% |
| Core deposits to total deposits | 83.45% |
| Brokered deposits to total deposits | 0.80% |
| Deposits to assets | 90.90% |
| Securities to assets | 16.78% |
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 | 16.16% | 16.16% | 17.41% | 9.26% | 0.09% |
| Q4 2023 | 15.98% | 15.98% | 17.23% | 9.25% | 0.04% |
| Q1 2024 | 16.02% | 16.02% | 17.27% | 9.27% | 0.07% |
| Q2 2024 | 16.30% | 16.30% | 17.54% | 9.35% | 0.27% |
| Q3 2024 | 16.53% | 16.53% | 17.78% | 9.40% | 0.02% |
| Q4 2024 | 15.87% | 15.87% | 17.07% | 9.45% | 0.13% |
| Q1 2025 | 15.99% | 15.99% | 17.19% | 9.41% | 0.19% |
| Q2 2025 | 15.91% | 15.91% | 17.16% | 9.25% | 0.23% |
| Q3 2025 | 15.59% | 15.59% | 16.84% | 9.35% | 0.35% |
| Q4 2025 | 15.65% | 15.65% | 16.69% | 9.26% | 0.37% |
| Q1 2026 | 15.34% | 15.34% | 16.46% | 9.16% | 0.18% |
| Q2 2026 | 15.47% | 15.47% | 16.59% | 9.25% | 0.38% |
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 31077) · FFIEC NIC profile (RSSD 943974)