First Federal Bank, a FSB: 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 Loan-to-deposit ratio: 7.69 percentage points lower than in Q1 2026, at 126.18%. Within Alabama, First Federal Bank, a FSB is 75th of 93 on return on assets, 0.66% as of Q2 2026, below the middle of the field. First Federal Bank, a FSB reported 0.66% on return on assets for Q2 2026, 0.59 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.44% |
| Tier 1 risk-based capital ratio | 12.44% |
| Total risk-based capital ratio | 13.66% |
| Tier 1 leverage ratio | 7.82% |
| Equity capital to assets | 7.61% |
| Tangible equity to tangible assets | 7.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.84% |
| Non-performing assets ratio | 0.70% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 8.99% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 107.07% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.66% |
| Return on equity | 8.58% |
| Net interest margin | 2.81% |
| Efficiency ratio | 92.93% |
| Yield on earning assets | 5.96% |
| Cost of funds | 3.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 126.18% |
| Core deposits to total deposits | 82.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 65.91% |
| Securities to assets | 0.36% |
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 | 13.63% | 13.63% | 14.84% | 8.73% | -1.51% |
| Q4 2023 | 12.37% | 12.37% | 13.62% | 8.07% | -2.90% |
| Q1 2024 | 13.06% | 13.06% | 14.31% | 7.97% | -0.07% |
| Q2 2024 | 11.79% | 11.79% | 12.98% | 7.75% | -0.10% |
| Q3 2024 | 11.82% | 11.82% | 13.03% | 7.40% | -0.36% |
| Q4 2024 | 12.72% | 12.72% | 13.97% | 7.45% | -1.16% |
| Q1 2025 | 12.11% | 12.11% | 13.36% | 7.88% | 0.02% |
| Q2 2025 | 11.81% | 11.81% | 13.05% | 7.69% | 0.39% |
| Q3 2025 | 12.40% | 12.40% | 13.65% | 7.89% | 0.98% |
| Q4 2025 | 12.45% | 12.45% | 13.70% | 7.98% | -0.42% |
| Q1 2026 | 12.52% | 12.52% | 13.77% | 8.19% | 0.88% |
| Q2 2026 | 12.44% | 12.44% | 13.66% | 7.82% | 0.66% |
First Federal Bank, a FSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Bank, a FSB, 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, a FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31127) · FFIEC NIC profile (RSSD 814074)