Bank Safety Analysis
Is First Federal Savings & Loan Association of Valdosta Safe? Valdosta, Georgia
Based on its Q2 2026 call report, First Federal Savings & Loan Association of Valdosta meets the community bank leverage ratio test for well capitalized, its Texas ratio is 12.57%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of First Federal Savings & Loan Association of Valdosta and never asks for online banking logins or passwords.
Short answer: is First Federal Savings & Loan Association of Valdosta safe?
On its Q2 2026 call report, First Federal Savings & Loan Association of Valdosta's Community Bank Leverage Ratio is 12.26%, above the 9% threshold that makes a community bank well capitalized.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 12.26%
- Texas ratio (Q2 2026): 12.57%
- Noncurrent loans ratio (Q2 2026): 1.79%
First Federal Savings & Loan Association of Valdosta is an FDIC-insured savings institution (FDIC Certificate #29164). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report First Federal Savings & Loan Association of Valdosta (FDIC Certificate #29164) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
First Federal Savings & Loan Association of Valdosta meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. 1 risk screen is flagged: loan-to-deposit ratio.
Nonperforming loan ratio (nonaccrual plus 90+ days past due) climbed 0.44 percentage points in Q2 2026, from 1.35% to 1.79%. It was the largest change from Q1 2026 among the key lines here. First Federal Savings & Loan Association of Valdosta ranks 47th of 121 Georgia banks on leverage ratio, in the upper half at 12.26% (Q2 2026). First Federal Savings & Loan Association of Valdosta reported 12.26% on leverage ratio for Q2 2026, 1.31 points above the 10.95% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, First Federal Savings & Loan Association of Valdosta's Texas ratio ranged between 2.75% (Q1 2025) and 12.57% (Q2 2026). Between Q2 2025 and Q2 2026, First Federal Savings & Loan Association of Valdosta's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.73% to 1.79%, Texas ratio rose from 4.80% to 12.57% and return on assets rose from 0.82% to 0.83%.
By total assets at Q2 2026, First Federal Savings & Loan Association of Valdosta is the 71st largest of the 121 banks headquartered in Georgia. 1-4 family residential loans are its largest loan category, $199.1M of $244.3M in total loans on its June 30, 2026 call report. Against the 2,757 banks with $100M to $1B in assets for Q2 2026, First Federal Savings & Loan Association of Valdosta's community bank leverage ratio of 12.26% is above the 10.95% median, nonperforming loans ratio of 1.79% is above the 0.41% median, Texas ratio of 12.57% is above the 2.65% median, and efficiency ratio of 73.54% is above the 61.41% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low.
How does First Federal Savings & Loan Association of Valdosta score on capital, credit and costs?
Peer cohort: $100M to $1B (2,660 banks) · Industry averages as of Q2 2026.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 0.41%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 2.65%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 61.41%.
Does First Federal Savings & Loan Association of Valdosta trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 12.57% | Within range |
| Non-performing loan ratio BankRegReports band | 1.79% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 117.16% | Flagged |
| Commercial real estate to capital supervisory threshold | 83.95% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 12.57% |
| Q1 2026 | 9.51% |
| Q4 2025 | 11.65% |
| Q3 2025 | 8.65% |
| Q2 2025 | 4.80% |
| Q1 2025 | 2.75% |
| Q4 2024 | 9.49% |
| Q3 2024 | 8.09% |
| Q2 2024 | 8.80% |
| Q1 2024 | 9.45% |
| Q4 2023 | 11.63% |
| Q3 2023 | 11.44% |
Loans by type, Q2 2026
- 1-4 family residential loans: $199.1M
- Construction and land development loans: $21.8M
- Owner-occupied commercial real estate loans: $8.7M
- Non-owner-occupied commercial real estate loans: $6.0M
- Auto loans: $4.9M
- Other consumer loans: $2.5M
- Multifamily loans: $1.3M
- All other loans: $12K
How have First Federal Savings & Loan Association of Valdosta's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Jun 30, 2026 | $278.5M | 12.26% | 1.79% | 12.57% | 73.54% |
| Mar 31, 2026 | $277.6M | 12.17% | 1.35% | 9.51% | 72.69% |
| Dec 31, 2025 | $271.9M | 12.26% | 1.64% | 11.65% | 115.79% |
| Sep 30, 2025 | $259.8M | 12.88% | 1.24% | 8.65% | 75.13% |
| Jun 30, 2025 | $252.0M | 12.84% | 0.73% | 4.80% | 74.39% |
| Mar 31, 2025 | $256.5M | 12.61% | 0.30% | 2.75% | 74.39% |
| Dec 31, 2024 | $249.1M | 12.69% | 1.46% | 9.49% | 113.48% |
| Sep 30, 2024 | $237.9M | 13.39% | 1.27% | 8.09% | 77.15% |
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 Valdosta FDIC insured?
Yes. First Federal Savings & Loan Association of Valdosta is an FDIC-insured savings institution (FDIC Certificate #29164). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is First Federal Savings & Loan Association of Valdosta well capitalized?
On its Q2 2026 call report, First Federal Savings & Loan Association of Valdosta's Community Bank Leverage Ratio is 12.26%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are First Federal Savings & Loan Association of Valdosta's key safety ratios?
For Q2 2026, First Federal Savings & Loan Association of Valdosta reports leverage 12.26%, Texas ratio 12.57%, noncurrent loans 1.79%. Its Texas ratio compares with the 2.65% median for the 2,757 banks with $100M to $1B in assets.
What happens to my deposits if First Federal Savings & Loan Association of Valdosta fails?
For Q2 2026, First Federal Savings & Loan Association of Valdosta reported $208.5M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
Add this badge to your website
Free to use. It shows First Federal Savings & Loan Association of Valdosta’s latest filed figures and updates each quarter.
Where does this data come from?
Not investment advice. See the full First Federal Savings & Loan Association of Valdosta profile.
How we score this
First Federal Savings & Loan Association of Valdosta elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Community Bank Leverage Ratio: Tier 1 capital divided by average total assets, for a qualifying community bank that elects the simpler framework. Pass > 9.0% (CBLR elected); 8.0% from July 1, 2026, fail ≤ 8.0%.
Tier 1 Leverage Ratio: The same ratio as its community bank leverage ratio. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.