First Federal Savings & Loan Association of Valdosta
Valdosta, GA · Cert 29164 · Peer group: banks under $1B in assets (n=570-617)
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 194 of 617).
- Widest gap: nonperforming loans / loans trails 85% of banks under $1B in assets (rank 484 of 570).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.83%
Rank 395 of 617
Net Interest Margin
3.90%
Rank 194 of 617
Efficiency Ratio
73.17%
Rank 389 of 617
Equity / Assets
12.16%
Rank 214 of 617
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.60% | 1.01% | 1.45% | Beats 36% | 395 / 617 | | |
| Return on Equity | 6.80% | 5.30% | 9.43% | 13.30% | Beats 32% | 422 / 617 | | |
| Net Interest Margin | 3.90% | 3.04% | 3.54% | 4.05% | Beats 69% | 194 / 617 | | |
| Efficiency Ratio | 73.17% | 58.03% | 67.76% | 79.08% | Beats 37% | 389 / 617 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.79% | 0.09% | 0.47% | 1.27% | Beats 15% | 484 / 570 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 38% | 352 / 570 | | |
| Capital |
| Tier 1 Capital Ratio | 12.26% | 11.18% | 13.83% | 18.55% | Beats 36% | 394 / 617 | | |
| Total Risk-Based Capital Ratio | 12.26% | 11.56% | 14.39% | 19.39% | Beats 32% | 421 / 617 | | |
| Equity / Assets | 12.16% | 9.03% | 10.55% | 13.63% | Beats 65% | 214 / 617 | | |
| Liquidity & Funding |
| Loans / Deposits | 117.16% | 64.77% | 79.70% | 93.06% | 98th pctl | 11 / 582 | | |
| Loans / Assets | 87.73% | 51.70% | 67.18% | 77.51% | 96th pctl | 23 / 617 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |