Dunn, NC · Cert 31077 · First Federal Financial Corp.
State savings bank · OCC · 7 branches
Q2 2026
Market Position · Raleigh-Cary, NC · 2026 SOD (annual) · 0.1% share · #25 of 37 inst. · $0.1B of $110.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.13% | 0.19% | 0.22% | 0.27% | 0.30% | 0.19% | 0.29% | +7 bps | |
| Return on Equity | 1.99% | 2.03% | 3.02% | 3.48% | 4.22% | 4.63% | 2.85% | 4.33% | +85 bps | |
| Net Interest Margin | 2.64% | 2.65% | 2.77% | 2.81% | 2.89% | 2.90% | 3.00% | 3.04% | +23 bps | |
| Efficiency Ratio | 96.93% | 96.22% | 91.89% | 90.64% | 88.94% | 87.91% | 85.78% | 85.36% | -528 bps | |
| Non-Interest Burden | 2.54% | 2.53% | 2.51% | 2.51% | 2.53% | 2.50% | 2.52% | 2.54% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.27% | -0.60% | 2.25% | 1.99% | 3.40% | 7.01% | 3.59% | 4.90% | +292 bps | |
| Loan Growth (YoY) | 1.01% | 1.95% | 1.32% | 3.47% | 7.26% | 4.97% | 7.60% | 6.65% | +318 bps | |
| Deposit Growth (YoY) | -2.24% | -1.07% | 1.83% | 2.25% | 3.64% | 8.32% | 3.28% | 3.93% | +168 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.40% | 0.38% | 0.84% | 0.86% | 0.83% | 0.56% | 0.53% | 0.47% | -39 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.25% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.02% | 0.99% | 1.00% | 1.08% | 1.04% | 0.78% | 0.84% | 0.84% | -24 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.6x | 1.2x | 1.2x | 1.3x | 1.4x | 1.6x | 1.8x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.40% | 9.45% | 9.41% | 9.25% | 9.35% | 9.26% | 9.16% | 9.25% | 0 bps | |
| Total Risk-Based Capital | 17.78% | 17.07% | 17.19% | 17.16% | 16.84% | 16.69% | 16.46% | 16.59% | -57 bps | |
| Equity / Assets | 6.82% | 6.31% | 6.30% | 5.97% | 6.68% | 6.69% | 6.61% | 6.77% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.50% | 82.28% | 77.89% | 78.80% | 82.27% | 79.73% | 81.15% | 80.87% | +207 bps | |
| Liquid Assets / Assets | 3.24% | 2.97% | 6.83% | 6.31% | 3.47% | 6.25% | 5.39% | 5.87% | -44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 244% | 247% | 262% | n/a | n/a | |