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First Federal Savings & Loan Association of Valdosta Locations & Branches Valdosta, Georgia
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First Federal Savings & Loan Association of Valdosta operates 4 branches from its headquarters in Valdosta, GA, . Its main office is at 411 N Patterson St, Valdosta, GA 31601.
First Federal Savings & Loan Association of Valdosta branch network
All 4 branches are in GEORGIA, across 2 cities. Valdosta, GA has the most of its branches, 3. Its largest office by deposits is the 2728 North Oak Street Branch office in Valdosta, GA, with $89.4M (42.9% of its branch deposits). It had the same number of branches on June 30, 2025.
First Federal Savings & Loan Association of Valdosta at a glance
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.
- Total assets, Q2 2026
- $278.5M
- Tier 1 leverage ratio, Q2 2026
- 12.26%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1934
Full financial profile · Is First Federal Savings & Loan Association of Valdosta safe? · First Federal Savings & Loan Association of Valdosta Q3 2026 call report, filed October 23, 2026 (preliminary) · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Valdosta, GA (3 branches) | 8 of 14 | 5.8% | $178.0M |
| State: GA (4 branches) | 110 of 177 | <0.1% | $208.5M |
Ranked by total assets among banks headquartered in the state: Largest banks in Georgia.
Share by county and metro area
First Federal Savings & Loan Association of Valdosta's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Lowndes, GA (4 branches) | 9 of 14 | 6.2% | $208.5M | $3.34B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Valdosta, GA (4 branches) | 9 of 16 | 5.5% | $208.5M | $3.78B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 29164) · FFIEC NIC profile (RSSD 828174)