Columbia, MS · Cert 31158 · First Federal Bcorp
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Hattiesburg, MS · 2026 SOD (annual) · 1.6% share · #12 of 20 inst. · $0.1B of $4.1B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.32% | 1.44% | 1.44% | 1.50% | 1.48% | +16 bps | |
| Return on Equity | 14.46% | 15.17% | 14.95% | 14.75% | 14.72% | +26 bps | |
| Net Interest Margin | 3.90% | 4.14% | 4.23% | 4.22% | 4.17% | +27 bps | |
| Efficiency Ratio | 64.38% | 62.55% | 62.83% | 61.21% | 61.56% | -282 bps | |
| Non-Interest Burden | 2.28% | 2.30% | 2.36% | 2.33% | 2.32% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 28.49% | 11.56% | 9.23% | 11.01% | -4.10% | -3,259 bps | |
| Loan Growth (YoY) | 0.45% | 3.44% | 4.41% | 3.93% | 0.15% | -30 bps | |
| Deposit Growth (YoY) | 29.82% | 5.54% | 2.59% | 5.32% | -10.13% | -3,995 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.72% | 0.67% | 0.05% | 0.02% | 0.00% | -72 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.08% | 0.06% | 0.11% | 0.09% | -1 bps | |
| Allowance / Loans | 1.35% | 1.35% | 1.32% | 1.33% | 1.36% | +1 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.0x | 25.1x | 70.2x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.21% | 10.88% | 11.17% | 10.67% | 10.57% | +37 bps | |
| Total Risk-Based Capital | 10.21% | 10.88% | 11.17% | 10.67% | 10.57% | +37 bps | |
| Equity / Assets | 8.46% | 10.46% | 10.38% | 9.92% | 9.89% | +143 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.29% | 63.22% | 62.60% | 57.95% | 54.92% | +564 bps | |
| Liquid Assets / Assets | 24.87% | 5.38% | 8.14% | 10.68% | 12.16% | -1,271 bps | |
| CRE / Total Capital | n/a | 167.84% | 174.15% | 166.95% | n/a | n/a | |