First Federal Community Bank, SSB
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Data as of · sourced from FFIEC call reports. How we update
First Federal Community Bank, SSB is an FDIC-insured savings bank headquartered in Paris, TX, established in 1922 (FDIC certificate 27678), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $603.6M, up 3.1% from Q2 2025, the 139th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.10% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27678
- Headquarters
- Paris, TX
- Established
- 1922
- Total assets, Q2 2026
- $603.6M
- Assets vs Q2 2025
- +3.1%
- Tier 1 leverage ratio, Q2 2026
- 13.10%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 311972704
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Community Bank, SSB call report
- Holding company
- FIRST FEDERAL COMMUNITY, MHC
- Asset rank in state
- 139th of 346 in Texas
Problem loans are falling at First Federal Community Bank, SSB. It reported $604 million in assets at June 30, 2026, up 3.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 0.75% of loans from 1.27% a year earlier. It shrank its loan book 0.3% over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also funds 13.10% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Net income for the quarter rose 20% from a year earlier, to $1.8 million.
As of June 30, 2026, First Federal Community Bank, SSB reported a return on assets of 1.20%, a nonperforming-loan ratio of 0.75% and a Texas ratio of 4.20%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, First Federal Community Bank, SSB is the 139th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.0% to $603.6M, loans rose 0.6% and deposits fell 2.6%. 1-4 family residential loans made up 46.4% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 11.0%. The FDIC Summary of Deposits lists 4 offices for it, in Paris, TX, Mount Pleasant, TX and Clarksville, TX; its Paris 2 offices book 86% of its branch deposits. On its Q2 2026 call report, First Federal Community Bank, SSB meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 630 Clarksville St, Paris, TX 75460
- County
- Lamar
- Metro Area
- Paris, TX
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1922
- Former names
- First Federal Community Bank (1998-2013)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 83
- Domestic deposits
- $520.4M
- Allowance for credit losses
- $6.1M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $608.0M
- Average total loans
- $469.9M
- Average interest-bearing deposits
- $475.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27678
- Fed RSSD
- 898579
- Website
- www.ffcbank.com →
- Parent Holding Company
- FIRST FEDERAL COMMUNITY, MHC (RSSD 6073985)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First Federal Community Bank, SSB reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Federal Community Bank, SSB's total assets moved between a low of $552.1M (Q4 2023) and a high of $616.2M (Q1 2026) from Q3 2023 to 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
$603.6M total assets against $585.4M; $525.3M total liabilities against $513.7M.
$467.5M net loans and leases against $469.1M; $520.4M total deposits against $509.1M.
$55.7M securities against $21.9M; $47.6M cash and balances due against $63.9M.
$8.4M total interest income against $8.0M; $2.6M total interest expense against $2.8M.
$5.8M net interest income against $5.2M.
$835K total noninterest income against $777K; $4.3M total noninterest expense against $4.0M.
$0 provision for credit losses against $56K.
$1.8M net income against $1.5M.
1.20% return on assets against 1.04%; 4.01% net interest margin against 3.79%.
13.10% tier 1 leverage ratio against 12.62%.
Inside the full First Federal Community Bank, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Federal Community Bank, SSB rankings
Its closest position to the top of a national ranking is 1,540 of 4,196, for total assets; its furthest is 2,321 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.83% (Q1 2025) to 1.20% (Q2 2026) and its net interest margin ran from 3.50% (Q3 2024) to 4.01% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.10% | 1.20% | 0.75% | 4.20% | 4.01% |
| Q1 2026 | 12.67% | 0.85% | 1.41% | 8.35% | 3.70% |
| Q4 2025 | 12.79% | 1.00% | 0.51% | 3.29% | 3.85% |
| Q3 2025 | 12.83% | 1.11% | 0.46% | 2.80% | 3.91% |
| Q2 2025 | 12.62% | 1.04% | 1.27% | 7.76% | 3.79% |
| Q1 2025 | 12.66% | 0.83% | 0.48% | 2.95% | 3.57% |
| Q4 2024 | 12.40% | 0.83% | 0.50% | 3.17% | 3.57% |
| Q3 2024 | 12.46% | 0.92% | 0.33% | 2.07% | 3.50% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| First Federal Community Bank, SSB (main office) | Paris , TX | 75460 | $291.6M |
| Paris Branch | Paris , TX | 75460 | $156.7M |
| Mount Pleasant Branch | Mount Pleasant , TX | 75455 | $37.8M |
| 1902 W Main | Clarksville , TX | 75426 | $34.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 3 against individuals associated with it
- September 16, 2011, OCC: Formal Agreement: First Federal Community Bank
- Period: Most recent institution action September 16, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 182 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $4.3M approved, $2.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Federal Community Bank, SSB
What are First Federal Community Bank, SSB's total assets?
As of the Q2 2026 filing, First Federal Community Bank, SSB reported total assets of $603.6 million in its FFIEC call report.
Where is First Federal Community Bank, SSB headquartered?
It is headquartered in Paris, TX, United States.
When was First Federal Community Bank, SSB founded?
It was established in 1922, per the FDIC institution directory.
Is First Federal Community Bank, SSB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #27678). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Community Bank, SSB?
First Federal Community Bank, SSB's primary federal regulator is the FDIC.
How many branches does First Federal Community Bank, SSB operate?
It operates 4 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 Community Bank, SSB's Texas Ratio?
Its Texas Ratio is 4.20% 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 Community Bank, SSB previously called?
The charter now named First Federal Community Bank, SSB has also operated as First Federal Community Bank (1998-2013), per FDIC structure-change records.
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