First Federal Savings & Loan Association of Valdosta: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5.49 percentage points lower than in Q1 2026, at 15.71%. Within Georgia, First Federal Savings & Loan Association of Valdosta is 103rd of 121 on return on assets, 0.83% as of Q2 2026, below the middle of the field. First Federal Savings & Loan Association of Valdosta reported 0.83% on return on assets for Q2 2026, 0.42 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.26% |
| Equity capital to assets | 12.16% |
| Tangible equity to tangible assets | 12.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.65% |
| Non-performing assets ratio | 2.33% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 18.58% |
| Allowance for credit losses to loans | 0.42% |
| Reserve coverage of non-performing loans | 15.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.83% |
| Return on equity | 6.80% |
| Net interest margin | 4.18% |
| Efficiency ratio | 73.54% |
| Yield on earning assets | 6.48% |
| Cost of funds | 2.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 117.16% |
| Core deposits to total deposits | 87.79% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 74.88% |
| Securities to assets | 0.49% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.44% | 0.77% | 4.17% | 2.52% | 0.00% |
| Q4 2023 | 13.76% | -0.47% | 4.28% | 2.69% | 0.01% |
| Q1 2024 | 13.93% | 0.70% | 4.44% | 2.51% | 0.08% |
| Q2 2024 | 13.74% | 0.74% | 4.44% | 2.24% | 0.02% |
| Q3 2024 | 13.39% | 0.71% | 4.23% | 2.17% | -0.03% |
| Q4 2024 | 12.69% | -0.46% | 4.19% | 2.31% | 0.01% |
| Q1 2025 | 12.61% | 0.82% | 4.30% | 1.21% | 0.00% |
| Q2 2025 | 12.84% | 0.82% | 4.26% | 1.76% | 0.06% |
| Q3 2025 | 12.88% | 0.78% | 4.15% | 2.12% | 0.05% |
| Q4 2025 | 12.26% | -0.53% | 4.08% | 2.38% | 0.03% |
| Q1 2026 | 12.17% | 0.85% | 4.13% | 1.91% | 0.06% |
| Q2 2026 | 12.26% | 0.83% | 4.18% | 2.65% | -0.02% |
First Federal Savings & Loan Association of Valdosta 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 Valdosta, 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 Valdosta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29164) · FFIEC NIC profile (RSSD 828174)