TellerScore

Financial Federal Bank (FDIC certificate #31840) is based in Memphis, Tennessee. Its Q2 2026 call report shows $1.1B in total assets and $879.7M in deposits and 1 office.

Based on its Q2 2026 filing, Financial Federal Bank scores 67/100, which we describe as moderate. That is higher than only 44% of 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 70th. Its strongest component is problem-loan coverage (99/100; 0.5%), and its lowest is funding & liquidity (42/100; 122% loans-to-deposits, 23% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.92%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.05%
Earnings60/100
Return on assets (annualized): 1.01%
Funding & liquidity42/100
Loans ÷ deposits and uninsured-deposit share: 122.0% · 22.5% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.49%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 10 points (57 → 67), mostly because the funding & liquidity component improved by 23 points.

TellerScore
576267Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202464
Q3 202464
Q4 202462
Q1 202561
Q2 202557
Q3 202558
Q4 202563
Q1 202667
Q2 202667
Tier 1 leverage ratio
5.00%7.51%10.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.02%
Q3 20249.96%
Q4 20249.68%
Q1 20259.82%
Q2 20259.83%
Q3 20259.89%
Q4 20259.73%
Q1 20269.94%
Q2 20269.92%
Noncurrent loans
0.00%0.26%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.02%
Q4 20240.09%
Q1 20250.05%
Q2 20250.49%
Q3 20250.52%
Q4 20250.23%
Q1 20260.06%
Q2 20260.05%
Return on assets
0.31%0.67%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.38%
Q3 20240.42%
Q4 20240.31%
Q1 20250.72%
Q2 20250.76%
Q3 20250.82%
Q4 20250.73%
Q1 20261.04%
Q2 20261.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$1.1B9.92%0.05%1.01%122.0%
Q1 202667$1.1B9.94%0.06%1.04%123.9%
Q4 202563$1.1B9.73%0.23%0.73%119.6%
Q3 202558$1.1B9.89%0.52%0.82%123.6%
Q2 202557$1.1B9.83%0.49%0.76%127.7%
Q1 202561$1.1B9.82%0.05%0.72%126.5%
Q4 202462$1.1B9.68%0.09%0.31%127.4%
Q3 202464$1.1B9.96%0.02%0.42%127.6%
Q2 202464$1.0B10.02%0.00%0.38%132.4%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.92%
35th
Total risk-based capital0.00%
13th
Problem loans0.05%
91st
Net charge-offs0.02%
61st
Return on assets1.01%
31st
Net interest margin2.62%
7th
Efficiency ratio55.5%
61st
Loans to deposits122.0%
2nd
Uninsured deposits22.5%
78th
Loan-loss reserves0.76%
13th
Texas ratio0.5%
90th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
First Federal BankBank Dickson, TN71 out of 100, Strong$1.1B10.5%0.52%vs
Thread BankBank Rogersville, TN71 out of 100, Strong$1.1B9.8%0.18%vs
The Bank of Fayette CountyBank Piperton, TN58 out of 100, Moderate$1.1B9.6%1.09%vs
Commercial Bank & Trust Co.Bank Paris, TN80 out of 100, Strong$1.1B12.1%0.15%vs
InsBankBank Nashville, TN68 out of 100, Moderate$1.1B10.2%0.24%vs
Centennial BankBank Trezevant, TN59 out of 100, Moderate$1.1B9.8%1.26%vs

Deposit insurance

Is my money safe at Financial Federal Bank?

Yes. Financial Federal Bank is an FDIC-insured institution (FDIC certificate #31840). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.5% of deposits ($198.2M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.92%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Financial Federal Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Financial Federal Bank reported 222 home-loan applications under HMDA (LEI 549300BEXTNMA3CARO05): 197 originated ($70,445,000 total), 2 denied, and 23 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Financial Federal Bank
Former names
Financial Federal Savings Bank; Mcminn County Savings and Loan Association Incorporated
Type
State-chartered bank (Fed member)
FDIC certificate #
31840
RSSD ID
590976
Primary regulator
FED
Holding company
Financial Fedcorp Inc
Established
January 1, 1973
Headquarters
1715 Aaron Brenner Dr, Memphis, TN 38120
Employees
67

Quick answers

Financial Federal Bank: common questions

Is Financial Federal Bank FDIC insured?

Yes. Financial Federal Bank is an FDIC-insured institution (FDIC certificate #31840). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Financial Federal Bank's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Financial Federal Bank ever failed?

There is no failure record for FDIC certificate #31840 in the FDIC failed bank list.

How many branches does Financial Federal Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Memphis

InstitutionScoreAssetsCapitalProblem loansCompare
Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA100 out of 100, Very strong$4.1M15.4%0.00%vs
Rio Grande Federal Credit UnionCredit union Grand Junction, CO97 out of 100, Very strong$80.8M22.0%0.03%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
L G & W Federal Credit UnionCredit union Memphis, TN92 out of 100, Very strong$115.1M21.7%0.32%vs