First Federal Savings & Loan Association of Pascagoula-Moss Point
First Federal Savings & Loan Association of Pascagoula-Moss Point is an FDIC-insured savings institution headquartered in Pascagoula, MS, supervised by the OCC, with $381.4M in total assets at Q2 2026, up 0.2% from Q2 2025, the 32nd largest of 57 banks headquartered in Mississippi. It was established in 1955 and holds FDIC certificate 30812. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.72% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30812
- Headquarters
- Pascagoula, MS
- Established
- 1955
- Total assets, Q2 2026
- $381.4M
- Assets vs Q2 2025
- +0.2%
- Tier 1 leverage ratio, Q2 2026
- 9.72%
- Domestic offices
- 6 · First Federal Savings & Loan Association of Pascagoula-Moss Point branches FDIC institution directory, current count
- Routing number
- 265371121
- Safety and soundness
- Is First Federal Savings & Loan Association of Pascagoula-Moss Point safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Savings & Loan Association of Pascagoula-Moss Point Q3 2026 call report, filed October 29, 2026 (preliminary)
- Asset rank in state
- 32nd of 57 in Mississippi
First Federal Savings & Loan Association of Pascagoula-Moss Point spends more to run itself than most banks of its size. It reported $381 million in assets at June 30, 2026. It earns about $0.41 a year on every $100 of assets, about a third the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also keeps 2.66 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.96 cents).
Earnings jumped: net income for the quarter was $388,000, 79% above the same quarter a year earlier. Over the same year, loans shrank 2.9% and deposits grew 11.7%. Costs are the weak spot: it spends about 81 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, First Federal Savings & Loan Association of Pascagoula-Moss Point reported a return on assets of 0.41%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 3.39%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Federal Savings & Loan Association of Pascagoula-Moss Point is the 32nd largest of the 57 banks headquartered in Mississippi. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.0% to $381.4M, loans fell 0.2% and deposits rose 1.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 96.8% of total loans, ahead of construction and land development loans at 3.0%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in MS; its Pascagoula office books 75% of its branch deposits. Judged on its Q2 2026 call report, First Federal Savings & Loan Association of Pascagoula-Moss Point meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 903 Jackson Ave, Pascagoula, MS 39567
- County
- Jackson
- Metro Area
- Gulfport-Biloxi, MS
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 28, 1955
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $276.2M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $377.6M
- Average total loans
- $308.4M
- Average interest-bearing deposits
- $255.7M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30812
- Fed RSSD
- 90177
- Website
- www.firstwithus.com →
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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. 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 Savings & Loan Association of Pascagoula-Moss Point reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Federal Savings & Loan Association of Pascagoula-Moss Point's total assets ranged from $356.5M (Q3 2023) to $381.4M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$381.4M total assets against $380.7M; $345.6M total liabilities against $346.1M.
$306.7M net loans and leases against $316.0M; $276.2M total deposits against $247.2M.
$38.7M securities against $36.0M; $19.6M cash and balances due against $11.1M.
$4.7M total interest income against $4.7M; $2.3M total interest expense against $2.5M.
$2.4M net interest income against $2.1M.
$250K total noninterest income against $266K; $2.2M total noninterest expense against $2.2M.
$0 provision for credit losses against $0.
$388K net income against $217K.
0.41% return on assets against 0.23%; 2.66% net interest margin against 2.35%.
9.72% tier 1 leverage ratio against 9.33%.
Inside the full First Federal Savings & Loan Association of Pascagoula-Moss Point terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
First Federal Savings & Loan Association of Pascagoula-Moss Point rankings
Its closest position to the top of a national ranking is 1,748 of 3,640, for Texas Ratio; its furthest is 3,323 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.12% (Q4 2024) to 0.43% (Q1 2026) and its net interest margin ran from 2.13% (Q4 2024) to 2.66% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.72% | 0.41% | 0.16% | 3.39% | 2.66% |
| Q1 2026 | 9.57% | 0.43% | 0.12% | 3.20% | 2.58% |
| Q4 2025 | 9.41% | 0.17% | 0.10% | 3.03% | 2.44% |
| Q3 2025 | 9.40% | 0.27% | 0.09% | 3.45% | 2.40% |
| Q2 2025 | 9.33% | 0.23% | 0.09% | 3.49% | 2.35% |
| Q1 2025 | 9.33% | 0.17% | 0.13% | 4.33% | 2.23% |
| Q4 2024 | 9.28% | 0.12% | 0.29% | 4.81% | 2.13% |
| Q3 2024 | 9.26% | 0.18% | 0.30% | 4.28% | 2.14% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 Savings and Loan Association | Pascagoula , MS | 39567 | $206.7M |
| 3905 Beinville Boulevard Branch | Ocean Springs , MS | 39564 | $31.7M |
| Hurley Branch | Hurley , MS | 39555 | $11.4M |
| 4201 Bellview Branch | Moss Point , MS | 39563 | $10.3M |
| Vancleave Branch | Vancleave , MS | 39565 | $9.2M |
| 2601 Hwy 90 Branch | Gautier , MS | 39553 | $6.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- October 31, 2017, OCC: Civil Money Penalty (CMP): First FS & LA
- Period: Most recent institution action October 31, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in MS, rank 45 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 163 applications, 124 loans originated, $22.9M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, 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 Savings & Loan Association of Pascagoula-Moss Point
What are First Federal Savings & Loan Association of Pascagoula-Moss Point's total assets?
As of the Q2 2026 filing, First Federal Savings & Loan Association of Pascagoula-Moss Point reported total assets of $381.4 million in its FFIEC call report.
Where is First Federal Savings & Loan Association of Pascagoula-Moss Point headquartered?
It is headquartered in Pascagoula, MS, United States.
When was First Federal Savings & Loan Association of Pascagoula-Moss Point founded?
It was established in 1955, per the FDIC institution directory.
Is First Federal Savings & Loan Association of Pascagoula-Moss Point FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #30812). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Savings & Loan Association of Pascagoula-Moss Point?
First Federal Savings & Loan Association of Pascagoula-Moss Point's primary federal regulator is the OCC.
How many branches does First Federal Savings & Loan Association of Pascagoula-Moss Point operate?
It operates 6 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 Savings & Loan Association of Pascagoula-Moss Point's Texas Ratio?
Its Texas Ratio is 3.39% 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.
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