First Federal Savings & Loan Association of Pascagoula-Moss Point: 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.
Reserve coverage of non-performing loans dropped 17.92 percentage points in Q2 2026, from 115.03% to 97.11%. It was the largest change from Q1 2026 among the key lines here. On return on assets, First Federal Savings & Loan Association of Pascagoula-Moss Point is 2nd from the bottom among 57 Mississippi banks, 0.41% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, First Federal Savings & Loan Association of Pascagoula-Moss Point reported 0.41% on return on assets in Q2 2026, 0.84 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.72% |
| Equity capital to assets | 9.40% |
| Tangible equity to tangible assets | 9.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.43% |
| Non-performing assets ratio | 0.55% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.62% |
| Allowance for credit losses to loans | 0.41% |
| Reserve coverage of non-performing loans | 97.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.41% |
| Return on equity | 4.35% |
| Net interest margin | 2.66% |
| Efficiency ratio | 81.47% |
| Yield on earning assets | 5.23% |
| Cost of funds | 2.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.54% |
| Core deposits to total deposits | 83.33% |
| Brokered deposits to total deposits | 1.09% |
| Deposits to assets | 72.40% |
| Securities to assets | 10.13% |
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 | — | — | — | 9.68% | 0.38% |
| Q4 2023 | 19.74% | 19.74% | 40.64% | 9.62% | -0.13% |
| Q1 2024 | 19.27% | 19.27% | 39.56% | 9.50% | 0.25% |
| Q2 2024 | 19.22% | 19.22% | 39.36% | 9.42% | 0.17% |
| Q3 2024 | 19.04% | 19.04% | 38.83% | 9.26% | 0.18% |
| Q4 2024 | 18.94% | 18.94% | 38.55% | 9.28% | 0.12% |
| Q1 2025 | 19.25% | 19.25% | 39.06% | 9.33% | 0.17% |
| Q2 2025 | 18.68% | 18.68% | 37.80% | 9.33% | 0.23% |
| Q3 2025 | 18.66% | 18.66% | 37.61% | 9.40% | 0.27% |
| Q4 2025 | 19.06% | 19.06% | 38.33% | 9.41% | 0.17% |
| Q1 2026 | 19.53% | 19.53% | 39.05% | 9.57% | 0.43% |
| Q2 2026 | — | — | — | 9.72% | 0.41% |
First Federal Savings & Loan Association of Pascagoula-Moss Point vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings & Loan Association of Pascagoula-Moss Point, 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 Savings & Loan Association of Pascagoula-Moss Point profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30812) · FFIEC NIC profile (RSSD 90177)