First Federal Bank (Lake City, FL): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First Federal Bank is a community bank chartered in 1961, based in Lake City, FL. The Q2 2026 balance sheet stands at $4.5B in assets, including $1.4B in loans. Returns are in line with industry norms at 1.15% ROA and 11.40% ROE; net interest margin is 3.45%. Capital cushions are healthy: 20.56% CET1, 10.83% Tier 1 leverage. Asset quality is solid, 0.77% nonperforming loans and a 10.90% Texas Ratio. First Federal operates a 29-branch network.
As of June 30, 2026, First Federal Bank reported a CET1 capital ratio of 20.56%, a return on assets of 1.15%, a nonperforming-loan ratio of 0.77%, a Texas ratio of 10.90%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 4705 W Us Highway 90, Lake City, FL 32055
- County
- Columbia
- Metro Area
- Lake City, FL
- 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 041
- Established
- January 1, 1961
- Former names
- First Federal Bank of Florida (2007-2018); First Federal Savings Bank of Florida (1987-2007)
- Offices
- 29 domestic
- Employees (FTE)
- 602
- Domestic deposits
- $3.44B
- Allowance for credit losses
- $10.9M
- Net charge-offs (YTD)
- $776K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31313
- Fed RSSD
- 384278
- Website
- www.ffbf.com →
- Parent Holding Company
- FIRST FEDERAL BANCORP, INC. (RSSD 3839201)
- Ultimate Parent
- FIRST FEDERAL BANCORP, MHC (RSSD 3846405)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Federal Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Federal Bank, freeFirst Federal Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.56% | 1.15% | 0.77% | 10.90% | 3.45% |
| Q1 2026 | 21.03% | 1.22% | 0.89% | 12.05% | 3.29% |
| Q4 2025 | 20.66% | -0.78% | 0.80% | 10.92% | 2.97% |
| Q3 2025 | 21.95% | 1.11% | 0.64% | 13.35% | 3.08% |
| Q2 2025 | 20.38% | 0.94% | 0.44% | 10.94% | 3.11% |
| Q1 2025 | 21.27% | 1.03% | 0.92% | 14.31% | 3.01% |
| Q4 2024 | 20.16% | 0.88% | 0.76% | 14.37% | 3.00% |
| Q3 2024 | 20.13% | 1.05% | 0.76% | 14.21% | 3.04% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 27 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Federal Bank (main office) | Lake City , FL | 32055 | $1.19B |
| South Ohio Avenue Branch | Live Oak , FL | 32064 | $532.2M |
| 1255 South First Street Branch | Lake City , FL | 32025 | $251.5M |
| Fernandina Main Office Branch | Fernandina Beach , FL | 32034 | $228.5M |
| Highway 90 W. Branch | Lake City , FL | 32055 | $154.8M |
| Macclenny Branch | Macclenny , FL | 32063 | $143.9M |
| Bonifay Branch | Bonifay , FL | 32425 | $104.7M |
| First Federal Bank of Florida Branch | Panama City , FL | 32407 | $98.0M |
| Jasper Branch | Jasper , FL | 32052 | $87.4M |
| Chipola Community Branch | Marianna , FL | 32446 | $85.7M |
| Ocala First Avenue Branch | Ocala , FL | 34471 | $75.0M |
| Marianna West Office | Marianna , FL | 32446 | $72.1M |
| Sea Island Branch | Beaufort , SC | 29907 | $68.5M |
| Chipley Branch | Chipley , FL | 32428 | $52.0M |
| Yulee Branch | Yulee , FL | 32097 | $50.7M |
| Highway 51 N. Branch | Mayo , FL | 32066 | $38.9M |
| Graceville Branch | Graceville , FL | 32440 | $31.9M |
| Dowling Park Branch | Dowling Park , FL | 32060 | $30.5M |
| Port Royal Branch | Port Royal , SC | 29935 | $25.4M |
| Live Oak Branch | Live Oak , FL | 32064 | $23.6M |
| Oak Hammock Branch | Gainesville , FL | 32608 | $22.6M |
| Hwy 40 Branch | Ocala , FL | 34482 | $20.7M |
| Wildlight Branch | Yulee , FL | 32097 | $18.1M |
| Gainesville | Gainesville , FL | 32608 | $16.2M |
| Touchton Road Branch | Jacksonville , FL | 32246 | $11.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 3, 2018 | Structure Change | Acquired CBC National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 2, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 31, 2013 | Structure Change | Acquired Bank of Jackson County Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 30, 2013 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 20, 2013 | Structure Change | Acquired Chipola Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 19, 2013 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 8, 2010 | Structure Change | Acquired The Bank of Bonifay Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 7, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| October 24, 2009 | Structure Change | Acquired Flagship National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 23, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
What the public regulatory sources show for First Federal Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- October 21, 1992, OCC (former OTS): Supervisory Agreement: First Federal Savings Bank of Florida
- Period: Most recent institution action October 21, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in FL, rank 32 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 7,953 applications, 4,687 loans originated, $1.80B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Federal Bank
What are First Federal Bank's total assets?
As of the Q2 2026 filing, First Federal Bank reported total assets of $4.49 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Federal Bank headquartered?
First Federal Bank is headquartered in Lake City, FL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Federal Bank founded?
First Federal Bank was established in 1961, per the FDIC institution directory.
Is First Federal Bank FDIC-insured?
Yes. First Federal Bank is an FDIC-insured commercial bank (FDIC Certificate #31313). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Bank?
First Federal Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Federal Bank's CET1 capital ratio?
First Federal Bank reported a Common Equity Tier 1 (CET1) capital ratio of 20.56% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Federal Bank operate?
First Federal Bank operates 29 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 Bank's Texas Ratio?
First Federal Bank's Texas Ratio is 10.90% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Federal Bank previously called?
The charter now named First Federal Bank has also operated as First Federal Bank of Florida (2007-2018), First Federal Savings Bank of Florida (1987-2007), per FDIC structure-change records.
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