First Federal Community Bank, SSB: 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 Reserve coverage of non-performing loans: 18.01 percentage points lower than in Q1 2026, at 169.27%. Within Texas, First Federal Community Bank, SSB is 223rd of 345 on return on assets, 1.20% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Federal Community Bank, SSB sits 0.05 points lower, at 1.20% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.10% |
| Equity capital to assets | 12.97% |
| Tangible equity to tangible assets | 12.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.76% |
| Non-performing assets ratio | 0.60% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 5.30% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 169.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.20% |
| Return on equity | 9.40% |
| Net interest margin | 4.01% |
| Efficiency ratio | 64.65% |
| Yield on earning assets | 5.83% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.02% |
| Core deposits to total deposits | 80.22% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.21% |
| Securities to assets | 9.23% |
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 | 16.25% | 16.25% | 17.50% | 11.90% | 0.84% |
| Q4 2023 | 16.22% | 16.22% | 17.48% | 11.84% | 0.50% |
| Q1 2024 | 16.41% | 16.41% | 17.66% | 12.19% | 0.76% |
| Q2 2024 | 16.80% | 16.80% | 18.05% | 12.33% | 0.86% |
| Q3 2024 | 17.31% | 17.31% | 18.56% | 12.46% | 0.92% |
| Q4 2024 | 17.12% | 17.12% | 18.37% | 12.40% | 0.83% |
| Q1 2025 | 17.26% | 17.26% | 18.52% | 12.66% | 0.83% |
| Q2 2025 | 17.38% | 17.38% | 18.63% | 12.62% | 1.04% |
| Q3 2025 | 17.68% | 17.68% | 18.93% | 12.83% | 1.11% |
| Q4 2025 | 17.99% | 17.99% | 19.24% | 12.79% | 1.00% |
| Q1 2026 | 19.02% | 19.02% | 20.28% | 12.67% | 0.85% |
| Q2 2026 | — | — | — | 13.10% | 1.20% |
First Federal Community Bank, SSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Community Bank, SSB, 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 Community Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27678) · FFIEC NIC profile (RSSD 898579)