First Federal Bank
Lake City, FL · Cert 31313 · Peer group: banks $1B-$10B in assets (n=313-319) · 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 92% of banks $1B-$10B in assets (rank 26 of 319).
- Widest gap: nonperforming loans / loans trails 95% of banks $1B-$10B in assets (rank 298 of 313).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.17%
Rank 175 of 319
Net Interest Margin
2.90%
Rank 261 of 319
Efficiency Ratio
66.69%
Rank 234 of 319
Equity / Assets
10.38%
Rank 158 of 319
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% | 1.21% | 1.53% | Beats 45% | 175 / 319 | | |
| Return on Equity | 11.25% | 8.49% | 11.44% | 14.57% | Beats 47% | 170 / 319 | | |
| Net Interest Margin | 2.90% | 3.06% | 3.43% | 3.81% | Beats 18% | 261 / 319 | | |
| Efficiency Ratio | 66.69% | 51.90% | 59.57% | 67.64% | Beats 27% | 234 / 319 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.96% | 0.25% | 0.54% | 1.18% | Beats 5% | 298 / 313 | | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.04% | 0.12% | Beats 33% | 210 / 313 | | |
| Capital |
| Tier 1 Capital Ratio | 20.56% | 11.74% | 12.99% | 15.28% | Beats 92% | 26 / 319 | | |
| Total Risk-Based Capital Ratio | 21.06% | 12.61% | 14.01% | 16.23% | Beats 91% | 30 / 319 | | |
| Equity / Assets | 10.38% | 9.03% | 10.33% | 12.01% | Beats 50% | 158 / 319 | | |
| Liquidity & Funding |
| Loans / Deposits | 41.67% | 76.76% | 88.16% | 95.43% | 2nd pctl | 307 / 314 | | |
| Loans / Assets | 31.94% | 65.79% | 74.05% | 79.84% | 4th pctl | 307 / 319 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |