Bank call report · Tuscaloosa, AL
First Federal Bank, a FSB Call Report
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First Federal Bank, a FSB filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 286 reported line items, schedule by schedule (970 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 814074 |
| FDIC certificate number | 31127 |
| Total assets | $182.6M |
Official Q2 2026 call report PDF (FFIEC) →
First Federal Bank, a FSB call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · First Federal Bank, a FSB balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $182.6M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $182.6M |
| Total Liabilities and Minority Interest | RCON2948 | $168.7M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $129.6M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $128.2M |
| Total Deposits | RCON2200 | $120.4M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $113.2M |
| Other Borrowed Money | RCON3190 | $42.3M |
| Loans and Leases Held for Sale | RCON5369 | $22.3M |
| Total Equity Capital | RCON3210 | $13.9M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $13.9M |
| Other Assets | RCON2160 | $13.4M |
| Interest-bearing Balances | RCON0071 | $13.3M |
| Surplus | RCON3839 | $7.9M |
| Deposits: Noninterest-bearing | RCON6631 | $7.2M |
| Other Liabilities, Total | RCON2930 | $6.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $6.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $3.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $791K |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $657K |
| Held-to-maturity Securities, Total | RCON1754 | $657K |
| Intangible Assets | RCON2143 | $552K |
| Goodwill | RCON3163 | $6K |
| Common Stock | RCON3230 | $3K |
Schedule RI: Income Statement (31 items)
About Schedule RI · First Federal Bank, a FSB income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Noninterest Expense | RIAD4093 | $7.7M |
| Total Noninterest Income | RIAD4079 | $6.2M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $6.1M |
| Total Interest Income | RIAD4107 | $4.7M |
| Salaries and Employee Benefits | RIAD4135 | $4.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $4.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $4.3M |
| Other Noninterest Expense | RIAD4092 | $2.5M |
| Total Interest Expense | RIAD4073 | $2.5M |
| Net Interest Income | RIAD4074 | $2.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.3M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $749K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $741K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $706K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $706K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $661K |
| Net Income (Loss) | RIAD4340 | $661K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $661K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $392K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $143K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $140K |
| Other Noninterest Income | RIADB497 | $112K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $61K |
| Other Interest Income | RIAD4518 | $60K |
| Net Servicing Fees | RIADB492 | $55K |
| Applicable Income Taxes | RIAD4302 | $45K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $11K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $10K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $10K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $6K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 87 |
Schedule RC-B: Securities (5 items)
About Schedule RC-B · First Federal Bank, a FSB securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost | RCONG304 | $657K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value | RCONG305 | $596K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $657K |
| Pledged Securities | RCON0416 | $623K |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $596K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · First Federal Bank, a FSB loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $151.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $125.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $104.7M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $80.5M |
| Pledged Loans and Leases | RCONG378 | $80.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $13.6M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $12.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $10.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $10.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $6.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $4.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $4.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $3.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $2.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $2.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $1.7M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $1.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $1.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $1.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $1.0M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $985K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $464K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $464K |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $153K |
| Other Loans | RCONJ464 | $144K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $84K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $66K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $35K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $10K |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · First Federal Bank, a FSB deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $99.1M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $70.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $67.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $56.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $52.3M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $28.4M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $28.4M |
| Total Transaction Accounts | RCON2215 | $21.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $21.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $20.6M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $19.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $15.4M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $12.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $11.0M |
| Total Demand Deposits (See Note Below) | RCON2210 | $8.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $8.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $5.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $3.9M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $3.5M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $2.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $1.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $1.5M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $196K |
Schedule RC-F: Other Assets (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $4.2M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $3.1M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $2.8M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $2.5M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $2.1M |
| Prepaid Expenses | RCON2166 | $506K |
| Accrued Interest Receivable | RCONB556 | $478K |
| Net Deferred Tax Assets | RCON2148 | $269K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $5.0M |
| Deferred Compensation Liabilities | RCONC011 | $2.7M |
| Operating lease liabilities | RCONLB56 | $2.1M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $819K |
| Other Expenses Accrued and Unpaid | RCON3646 | $264K |
Schedule RC-K: Quarterly Averages (12 items)
About Schedule RC-K · First Federal Bank, a FSB quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $177.6M |
| Quarterly Average of Total Loans | RCON3360 | $151.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $135.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $69.3M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $38.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $20.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $13.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $9.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $8.6M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $3.9M |
| Mortgage-backed Securities | RCONB559 | $661K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $99K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · First Federal Bank, a FSB derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Trading | RCONA126 | $47.3M |
| Interest Rate Forward Contracts | RCON8697 | $32.8M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $14.5M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $7.3M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.9M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8733 | $319K |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $173K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $161K |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8737 | $52K |
Schedule RC-M: Memoranda (8 items)
About Schedule RC-M · First Federal Bank, a FSB memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $29.8M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $29.8M |
| FHLB Advances: Structured Advances | RCONF059 | $25.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $12.5M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $546K |
| Mortgage Servicing Assets | RCON3164 | $546K |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $80K |
| Does the Institution Use the Home Owners' Loan Act (Hola) Qtl Test or the Internal Revenue Service Domestic Building and Loan Association (IRS Dbla) Test to Determine Its Qtl Compliance? | RCONL133 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (15 items)
About Schedule RC-N · First Federal Bank, a FSB past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.3M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $809K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $780K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $632K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $518K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $518K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $466K |
| Additions to Nonaccrual Assets | RCONC410 | $379K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCONK039 | $336K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCONK036 | $336K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $177K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 90 Days or More and Still Accruing | RCON5399 | $98K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $98K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $9K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $3K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · First Federal Bank, a FSB other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $177.6M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $121.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $78.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $38.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $13.8M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $2.1M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.9M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 2,866 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 113 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 45 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 6 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $99.6M |
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $96.2M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $22.3M |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $3.2M |
| Repurchases and indemnification of 1-4 family residential mortgage laons during the quarter | RCONHT86 | $209K |
| Representation and Warranty Reserves for 1-4 Family Residential Mortgage Loans Sold: Total | RCONM288 | $54K |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases Held for Sale - Level 2 Fair Value Measurements | RCONG486 | $22.3M |
| Loans and Leases Held for Sale - Total Fair Value Reported on Schedule Rc | RCONG483 | $22.3M |
| Loans measured at fair value, Loans secured by real estate, Secured by 1-4 family residential properties, Domestic Offices | RCONHT87 | $22.3M |
| Loans measured at fair value, Unpaid principal balance of loans measured at fair value, Secured by 1-4 family residential properties, Domestic Offices | RCONHT91 | $22.3M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $22.3M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $22.3M |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · First Federal Bank, a FSB regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $111.7M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · First Federal Bank, a FSB regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $177.6M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $177.6M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $111.7M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $15.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $13.9M |
| Common Equity Tier 1 Capital | RCOAP859 | $13.9M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $13.9M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $13.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $7.9M |
| Retained Earnings | RCOAKW00 | $6.0M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.4M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.4M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.4M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $6K |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $6K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1366 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1244 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1244 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0782 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0566 |
Schedule RC-R, Part II: Risk-Weighted Assets (50 items)
About Schedule RC-R, Part II · First Federal Bank, a FSB risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $125.7M |
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $111.7M |
| Total Risk-weighted Assets | RCONG641 | $111.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $107.3M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $107.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $91.7M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $53.7M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $46.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $46.5M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $41.8M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $32.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $29.8M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $29.8M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $26.3M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $22.3M |
| Total All Other Assets | RCOND981 | $17.4M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $15.6M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $14.0M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $12.7M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $11.5M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCONS441 | $7.6M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $7.4M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCONS415 | $6.7M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $6.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $3.9M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $3.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $3.7M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $3.7M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $2.8M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $2.8M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $2.8M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $2.1M |
| Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS575 | $1.4M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $1.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$1.4M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $1.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $1.3M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $1.3M |
| All Other Off- Balance Sheet Liabilities - 100 Pct Risk Weight Category | RCONG623 | $989K |
| All Other Off- Balance Sheet Liabilities - Credit Equivalent Amount | RCONG619 | $989K |
| All Other Off- Balance Sheet Liabilities - Face, Notional or Other Amount | RCONG618 | $989K |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $657K |
| Total Held-to-maturity Securities | RCOND961 | $657K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $546K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $546K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $546K |
| All Other Assets - 400 Pct Risk Weight Category | RCONS470 | $350K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS564 | $350K |
| Total Balance Sheet Assets - 400 Pct Risk Weight Category | RCONS506 | $350K |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $6K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $55.2M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with Recourse or Oher Servicer-provided Credit Enhancements | RCONB804 | $55.2M |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $13.9M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $13.4M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $13.4M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $115K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · First Federal Bank, a FSB charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $11K |
| Charge-offs on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC235 | $11K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · First Federal Bank, a FSB changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.4M |
| Allowance for Loan and Lease Losses | RIAD3123 | $1.4M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $11K |
Schedule RI-E: Explanations (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $502K |
| Data Processing Expenses | RIADC017 | $500K |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $429K |
| Marketing and Other Professional Services | RIAD0497 | $152K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $76K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $15K |
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $11K |
First Federal Bank, a FSB call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the First Federal Bank, a FSB call report?
The First Federal Bank, a FSB call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does First Federal Bank, a FSB file?
First Federal Bank, a FSB files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the First Federal Bank, a FSB call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: First Federal Bank, a FSB has Federal Reserve RSSD ID 814074 and FDIC certificate number 31127. Either one finds its filings on the FFIEC Central Data Repository.
How often does First Federal Bank, a FSB file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
First Federal Bank, a FSB financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 31127) · FFIEC NIC profile (RSSD 814074)