Bank Safety Analysis
Is First Federal Savings & Loan Association of Pascagoula-Moss Point Safe?
First Federal Savings & Loan Association of Pascagoula-Moss Point meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
The biggest quarter-over-quarter change on this page was a small one: net interest margin edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 2.66%. First Federal Savings & Loan Association of Pascagoula-Moss Point ranks 50th of 57 Mississippi banks on leverage ratio, in the lower half at 9.72% (Q2 2026). First Federal Savings & Loan Association of Pascagoula-Moss Point reported 9.72% on leverage ratio for Q2 2026, 1.20 points below the 10.92% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, First Federal Savings & Loan Association of Pascagoula-Moss Point's CET1 ratio ranged between 18.66% (Q3 2025) and 19.74% (Q4 2023) and its Texas ratio ranged between 5.41% (Q4 2025) and 7.44% (Q4 2024). Compared with Q2 2025, First Federal Savings & Loan Association of Pascagoula-Moss Point's noncurrent loans to total loans from 0.36% to 0.43%, Texas ratio from 6.04% to 5.62%, return on assets from 0.23% to 0.41% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,672 banks) · Industry averages as of Q2 2026.
Leverage ratio of 9.72% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 9.72% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.43% are within industry-normal range.
Texas Ratio of 5.6% is well below the 100% historical failure threshold.
Efficiency ratio of 81.5% is elevated, suggesting cost-to-revenue pressure.
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 5.62% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.43% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 111.54% | Flags at 100% or above | Flagged |
| Commercial real estate to capital supervisory threshold | 24.46% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 2.42% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 10 quarters
| Quarter | CET1 (%) |
|---|---|
| Q1 2026 | 19.53% |
| Q4 2025 | 19.06% |
| Q3 2025 | 18.66% |
| Q2 2025 | 18.68% |
| Q1 2025 | 19.25% |
| Q4 2024 | 18.94% |
| Q3 2024 | 19.04% |
| Q2 2024 | 19.22% |
| Q1 2024 | 19.27% |
| Q4 2023 | 19.74% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 5.62% |
| Q1 2026 | 5.62% |
| Q4 2025 | 5.41% |
| Q3 2025 | 5.95% |
| Q2 2025 | 6.04% |
| Q1 2025 | 6.92% |
| Q4 2024 | 7.44% |
| Q3 2024 | 7.11% |
| Q2 2024 | 7.19% |
| Q1 2024 | 6.21% |
| Q4 2023 | 6.86% |
| Q3 2023 | 6.13% |
First Federal Savings & Loan Association of Pascagoula-Moss Point by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 0.43% | 5.62% | 0.41% |
| Mar 31, 2026 | 19.53% | 0.36% | 5.62% | 0.43% |
| Dec 31, 2025 | 19.06% | 0.32% | 5.41% | 0.17% |
| Sep 30, 2025 | 18.66% | 0.32% | 5.95% | 0.27% |
| Jun 30, 2025 | 18.68% | 0.36% | 6.04% | 0.23% |
| Mar 31, 2025 | 19.25% | 0.41% | 6.92% | 0.17% |
| Dec 31, 2024 | 18.94% | 0.41% | 7.44% | 0.12% |
| Sep 30, 2024 | 19.04% | 0.57% | 7.11% | 0.18% |
| Jun 30, 2024 | 19.22% | 0.58% | 7.19% | 0.17% |
| Mar 31, 2024 | 19.27% | 0.53% | 6.21% | 0.25% |
| Dec 31, 2023 | 19.74% | 0.62% | 6.86% | -0.13% |
| Sep 30, 2023 | — | 0.59% | 6.13% | 0.38% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is First Federal Savings & Loan Association of Pascagoula-Moss Point FDIC insured?
Yes. First Federal Savings & Loan Association of Pascagoula-Moss Point is an FDIC-insured commercial bank (FDIC Certificate #30812). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is First Federal Savings & Loan Association of Pascagoula-Moss Point well capitalized?
Yes. First Federal Savings & Loan Association of Pascagoula-Moss Point reports a Community Bank Leverage Ratio of 9.72%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the OCC, applies under Prompt Corrective Action.
What is First Federal Savings & Loan Association of Pascagoula-Moss Point's nonperforming loan ratio?
As of the most recent call report, First Federal Savings & Loan Association of Pascagoula-Moss Point's nonperforming loan ratio is 0.43%. Nonperforming loans at 0.43% are within industry-normal range.
What is First Federal Savings & Loan Association of Pascagoula-Moss Point's Texas Ratio?
First Federal Savings & Loan Association of Pascagoula-Moss Point's Texas Ratio is 5.62%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.