First Federal Savings & Loan Association of Valdosta
Valdosta, GA · Cert 29164 · Peer group: banks under $1B in assets (n=581-629)
State savings bank · OCC · 4 branches
Q2 2026
$278.5MAssets
$244.3MLoans
$208.5MDeposits
$33.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 69% of banks under $1B in assets (rank 196 of 629).
- Widest gap: nonperforming loans / loans trails 85% of banks under $1B in assets (rank 496 of 581).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.83%
Rank 405 of 629
Net Interest Margin
3.90%
Rank 196 of 629
Efficiency Ratio
73.17%
Rank 398 of 629
Equity / Assets
12.16%
Rank 220 of 629
Non-interest income vs. expense
Unfavorable gap of $7.6M · efficiency ratio beats 37% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.60% | 1.01% | 1.45% | Beats 36% | 405 / 629 | |
| Return on Equity | 6.80% | 5.38% | 9.30% | 13.28% | Beats 32% | 428 / 629 | |
| Net Interest Margin | 3.90% | 3.03% | 3.54% | 4.05% | Beats 69% | 196 / 629 | |
| Efficiency Ratio | 73.17% | 58.35% | 67.79% | 79.08% | Beats 37% | 398 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.79% | 0.09% | 0.46% | 1.20% | Beats 15% | 496 / 581 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 40% | 349 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.26% | 11.24% | 13.84% | 18.77% | Beats 36% | 405 / 629 | |
| Total Risk-Based Capital Ratio | 12.26% | 11.58% | 14.43% | 19.66% | Beats 31% | 434 / 629 | |
| Equity / Assets | 12.16% | 9.09% | 10.65% | 13.80% | Beats 65% | 220 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 117.16% | 67.24% | 80.90% | 93.48% | 98th pctl | 14 / 594 | |
| Loans / Assets | 87.73% | 53.31% | 67.71% | 78.15% | 96th pctl | 23 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |