First Federal Savings & Loan Association of Valdosta
First Federal Savings & Loan Association of Valdosta is an FDIC-insured savings institution headquartered in Valdosta, GA, supervised by the OCC, with $278.5M in total assets at Q2 2026, up 10.5% from Q2 2025, the 71st largest of 121 banks headquartered in Georgia. It was established in 1934 and holds FDIC certificate 29164. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.26% 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
- 29164
- Headquarters
- Valdosta, GA
- Established
- 1934
- Total assets, Q2 2026
- $278.5M
- Assets vs Q2 2025
- +10.5%
- Tier 1 leverage ratio, Q2 2026
- 12.26%
- Domestic offices
- 4 · First Federal Savings & Loan Association of Valdosta branches FDIC institution directory, current count
- Routing number
- 261270831
- Safety and soundness
- Is First Federal Savings & Loan Association of Valdosta safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Savings & Loan Association of Valdosta Q3 2026 call report, filed October 23, 2026 (preliminary)
- Asset rank in state
- 71st of 121 in Georgia
Problem loans are rising at First Federal Savings & Loan Association of Valdosta. The Valdosta, Georgia bank had $278 million in assets at June 30, 2026, up 10.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.79% of loans from 0.73% a year earlier. It pays an average of 2.58% on its deposits and borrowings, higher than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 12.6% of the capital and reserves that would absorb them, 4.7 times the median of 2.7% for banks its size.
Net income for the quarter rose 11% from a year earlier, to $571,000. Profitability lags: it returns 6.8% a year on shareholders' equity, about half the median of 12.6% for banks its size.
As of June 30, 2026, First Federal Savings & Loan Association of Valdosta reported a return on assets of 0.83%, a nonperforming-loan ratio of 1.79% and a Texas ratio of 12.57%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Federal Savings & Loan Association of Valdosta is the 71st largest of the 121 banks headquartered in Georgia. From Q1 2026 to Q2 2026, its total assets rose 0.3% to $278.5M, loans rose 1.4% and deposits rose 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 81.5% of total loans, followed by construction and land development loans at 8.9%. The FDIC Summary of Deposits lists 4 offices for it, in Valdosta, GA and Lake Park, GA; its Valdosta 3 offices book 85% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Federal Savings & Loan Association of Valdosta meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 411 N Patterson St, Valdosta, GA 31601
- County
- Lowndes
- Metro Area
- Valdosta, GA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 1, 1934
- Former names
- First Federal Savings and Loan Association of Valdosta (1993)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $208.5M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $21K
- Average total assets
- $274.6M
- Average total loans
- $243.3M
- Average interest-bearing deposits
- $183.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29164
- Fed RSSD
- 828174
- Website
- www.1stfederalvaldosta.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 Valdosta reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Federal Savings & Loan Association of Valdosta's total assets moved between a low of $216.9M (Q3 2023) and a high of $278.5M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$278.5M total assets against $252.0M; $244.6M total liabilities against $219.5M.
$243.3M net loans and leases against $220.5M; $208.5M total deposits against $193.5M.
$1.4M securities against $1.8M; $16.3M cash and balances due against $12.8M.
$4.2M total interest income against $3.8M; $1.5M total interest expense against $1.3M.
$2.7M net interest income against $2.5M.
$234K total noninterest income against $226K; $2.2M total noninterest expense against $2.0M.
$30K provision for credit losses against $30K.
$571K net income against $515K.
0.83% return on assets against 0.82%; 4.18% net interest margin against 4.26%.
12.26% tier 1 leverage ratio against 12.84%.
Inside the full First Federal Savings & Loan Association of Valdosta 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 Valdosta rankings
Its closest position to the top of a national ranking is 438 of 3,640, for Texas Ratio; its furthest is 2,970 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.53% (Q4 2025) to 0.85% (Q1 2026) and its net interest margin ran from 4.08% (Q4 2025) to 4.30% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.26% | 0.83% | 1.79% | 12.57% | 4.18% |
| Q1 2026 | 12.17% | 0.85% | 1.35% | 9.51% | 4.13% |
| Q4 2025 | 12.26% | -0.53% | 1.64% | 11.65% | 4.08% |
| Q3 2025 | 12.88% | 0.78% | 1.24% | 8.65% | 4.15% |
| Q2 2025 | 12.84% | 0.82% | 0.73% | 4.80% | 4.26% |
| Q1 2025 | 12.61% | 0.82% | 0.30% | 2.75% | 4.30% |
| Q4 2024 | 12.69% | -0.46% | 1.46% | 9.49% | 4.19% |
| Q3 2024 | 13.39% | 0.71% | 1.27% | 8.09% | 4.23% |
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 |
|---|---|---|---|
| 2728 North Oak Street Branch | Valdosta , GA | 31602 | $89.4M |
| First Federal Savings and Loan Association of Valdosta | Valdosta , GA | 31601 | $56.2M |
| Norman Drive Branch | Valdosta , GA | 31601 | $32.4M |
| Lakes Blvd. Branch | Lake Park , GA | 31636 | $30.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 3 against individuals associated with it
- Period: Most recent action August 10, 1990. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 110 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 150 applications, 150 loans originated, $42.4M originated, across 1 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 Valdosta
What are First Federal Savings & Loan Association of Valdosta's total assets?
As of the Q2 2026 filing, First Federal Savings & Loan Association of Valdosta reported total assets of $278.5 million in its FFIEC call report.
Where is First Federal Savings & Loan Association of Valdosta headquartered?
It is headquartered in Valdosta, GA, United States.
When was First Federal Savings & Loan Association of Valdosta founded?
It was established in 1934, per the FDIC institution directory.
Is First Federal Savings & Loan Association of Valdosta FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29164). 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 Valdosta?
First Federal Savings & Loan Association of Valdosta's primary federal regulator is the OCC.
How many branches does First Federal Savings & Loan Association of Valdosta 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 Savings & Loan Association of Valdosta's Texas Ratio?
Its Texas Ratio is 12.57% 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 Savings & Loan Association of Valdosta previously called?
The charter now named First Federal Savings & Loan Association of Valdosta has also operated as First Federal Savings and Loan Association of Valdosta (1993), per FDIC structure-change records.
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