What is First Federal Bank's financial health grade?

First Federal Bank has a TFS Financial Health Grade of F (score: 59.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Federal Bank have?

First Federal Bank has 30 branch locations across the United States.

Is First Federal Bank FDIC insured?

Yes, First Federal Bank is FDIC insured (Certificate #31313).

What are the total assets of First Federal Bank?

First Federal Bank has total assets of $4.3B as reported in its most recent FDIC filing.

First Federal Bank

BankLake City, Florida

www.ffbf.com

Total Assets

$4.3B

Total Deposits

$3.2B

Branches

Established

1961

TFS Health Grade

59.5 / 100

Poor financial health

How we grade

First Federal Bank is a bank headquartered in Lake City, Florida, established in 1961. With $4.3B in total assets and 29 branch locations, it has a TFS Financial Health Grade of F (59.5/100).

Capital & Safety

Tier 1 Capital Ratio

10.71%(8%)

Total Capital Ratio

21.15%(10%)

Non-Performing Loan Ratio

3.18%

Profitability

Return on Assets (ROA)

0.58%(1%)

Return on Equity (ROE)

5.86%(10%)

Net Interest Margin

3.14%

Efficiency Ratio

68.95%(60%)

Lending & Liquidity

Total Loans

$1.4B

Loan-to-Deposit Ratio

42.78%

Net Charge-Off Ratio

0.08%

Growth

Asset Growth (YoY)

+12.82%

Deposit Growth (YoY)

-3.90%

Net Income

$23.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Federal BankHQ	4705 W Us Highway 90	Lake City	FL	11
First Federal Bank	300 N Waukesha St	Bonifay	FL	11
First Federal Bank	1012 Main St	Chipley	FL	11
First Federal Bank	11035 County Road 136	Dowling Park	FL	11
First Federal Bank	1891 S 14th St	Fernandina Beach	FL	11
First Federal Bank	5100 Sw 25th Blvd	Gainesville	FL	11
First Federal Bank	4200 Sw 34th St	Gainesville	FL	11
First Federal Bank	962 8th Ave	Graceville	FL	11
First Federal Bank	9700 Touchton Road	Jacksonville	FL	11
First Federal Bank	507 Hatley St W	Jasper	FL	11
First Federal Bank	707 Sw Main Blvd	Lake City	FL	11
First Federal Bank	2571 W Us Highway 90	Lake City	FL	11
First Federal Bank	4705 W Us Highway 90	Lake City	FL	27
First Federal Bank	1102 Ohio Ave N	Live Oak	FL	11
First Federal Bank	804 Ohio Ave S	Live Oak	FL	11
First Federal Bank	784 S 6th St	Macclenny	FL	11
First Federal Bank	4215 Lafayette St	Marianna	FL	11
First Federal Bank	4701 Highway 90	Marianna	FL	11
First Federal Bank	187 N Fletcher Ave	Mayo	FL	11
First Federal Bank	206 Sw 10th St	Ocala	FL	27
First Federal Bank	910 Sw 1st Ave	Ocala	FL	11
First Federal Bank	5860 W Highway 40	Ocala	FL	11
First Federal Bank	8399 Sw 80th St	Ocala	FL	11
First Federal Bank	415 N Richard Jackson Blvd	Panama City	FL	11
First Federal Bank	841 S Walnut St	Starke	FL	11
First Federal Bank	40 Floco Ave	Yulee	FL	11
First Federal Bank	463845 State Road 200	Yulee	FL	11
First Federal Bank	36 Sea Island Pkwy	Beaufort	SC	27
First Federal Bank	36 Sea Island Pkwy	Beaufort	SC	11
First Federal Bank	1700 Ribaut Rd	Port Royal	SC	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.