First Federal Bank
Lake City, FL · Cert 31313 · Peer group: banks $1B-$10B in assets (n=322-328) · First Federal Bcorp MHC
State savings bank · OCC · 27 branches
Q2 2026
$4.5BAssets
$1.4BLoans
$3.4BDeposits
$465.8MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 91% of banks $1B-$10B in assets (rank 28 of 328).
- Widest gap: nonperforming loans / loans trails 95% of banks $1B-$10B in assets (rank 306 of 322).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.17%
Rank 184 of 328
Net Interest Margin
2.90%
Rank 265 of 328
Efficiency Ratio
66.69%
Rank 242 of 328
Equity / Assets
10.38%
Rank 162 of 328
Non-interest income vs. expense
Unfavorable gap of $65.4M · efficiency ratio beats 27% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.91% | 1.22% | 1.52% | Beats 44% | 184 / 328 | | |
| Return on Equity | 11.25% | 8.43% | 11.45% | 14.43% | Beats 47% | 173 / 328 | | |
| Net Interest Margin | 2.90% | 3.03% | 3.45% | 3.83% | Beats 19% | 265 / 328 | | |
| Efficiency Ratio | 66.69% | 51.61% | 59.56% | 67.53% | Beats 27% | 242 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.96% | 0.24% | 0.51% | 1.03% | Beats 5% | 306 / 322 | | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.03% | 0.10% | Beats 31% | 223 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 20.56% | 11.75% | 13.15% | 15.47% | Beats 91% | 28 / 328 | | |
| Total Risk-Based Capital Ratio | 21.06% | 12.63% | 14.15% | 16.46% | Beats 90% | 32 / 328 | | |
| Equity / Assets | 10.38% | 9.15% | 10.33% | 12.01% | Beats 51% | 162 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 41.67% | 76.63% | 87.92% | 95.36% | 2nd pctl | 316 / 323 | | |
| Loans / Assets | 31.94% | 65.18% | 74.15% | 79.98% | 4th pctl | 316 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |