What is First Federal Savings and Loan Association's financial health grade?

First Federal Savings and Loan Association has a TFS Financial Health Grade of D- (score: 60.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Federal Savings and Loan Association have?

First Federal Savings and Loan Association has 6 branch locations across the United States.

Is First Federal Savings and Loan Association FDIC insured?

Yes, First Federal Savings and Loan Association is FDIC insured (Certificate #30812).

What are the total assets of First Federal Savings and Loan Association?

First Federal Savings and Loan Association has total assets of $379.3M as reported in its most recent FDIC filing.

First Federal Savings and Loan Association

BankPascagoula, Mississippi

www.firstwithus.com

Total Assets

$379.3M

Total Deposits

$247.3M

Branches

Established

1955

TFS Health Grade

D-

60.3 / 100

Below average financial health

How we grade

First Federal Savings and Loan Association is a bank headquartered in Pascagoula, Mississippi, established in 1955. With $379.3M in total assets and 6 branch locations, it has a TFS Financial Health Grade of D- (60.3/100).

Capital & Safety

Tier 1 Capital Ratio

9.41%(8%)

Total Capital Ratio

38.33%(10%)

Non-Performing Loan Ratio

0.10%

Profitability

Return on Assets (ROA)

0.21%(1%)

Return on Equity (ROE)

2.29%(10%)

Net Interest Margin

2.38%

Efficiency Ratio

90.16%(60%)

Lending & Liquidity

Total Loans

$314.6M

Loan-to-Deposit Ratio

126.70%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+0.15%

Deposit Growth (YoY)

+4.53%

Net Income

$793.0K

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 Savings and Loan AssociationHQ	903 Jackson Ave	Pascagoula	MS	11
First Federal Savings and Loan Association	1414 Highway 90	Gautier	MS	11
First Federal Savings and Loan Association	21505 Highway 613	Hurley	MS	11
First Federal Savings and Loan Association	4201 Bellview Ave	Moss Point	MS	11
First Federal Savings and Loan Association	3905 Bienville Blvd	Ocean Springs	MS	11
First Federal Savings and Loan Association	10900 Highway 57	Vancleave	MS	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.