Headquartered in Dickson, Tennessee, First Federal Bank is a si with $1.1B in total assets and $978.6M in deposits as of Q2 2026. It operates 17 offices. Its charter dates back to 1936.
Based on its Q2 2026 filing, First Federal Bank scores 71/100, which we describe as strong. That is higher than 63% of 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 49th. Its strongest component is problem-loan coverage (94/100; 2.8%), and its lowest is funding & liquidity (53/100; 69% loans-to-deposits, 49% uninsured).
TellerScore · Q2 2026
Scorecard
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 fell 6 points (77 → 71), mostly because the funding & liquidity component weakened by 27 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 77 |
| Q4 2024 | 75 |
| Q1 2025 | 78 |
| Q2 2025 | 77 |
| Q3 2025 | 76 |
| Q4 2025 | 76 |
| Q1 2026 | 71 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.34% |
| Q3 2024 | 10.53% |
| Q4 2024 | 10.73% |
| Q1 2025 | 11.04% |
| Q2 2025 | 10.88% |
| Q3 2025 | 10.47% |
| Q4 2025 | 10.55% |
| Q1 2026 | 10.48% |
| Q2 2026 | 10.48% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.18% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.44% |
| Q2 2025 | 0.57% |
| Q3 2025 | 0.39% |
| Q4 2025 | 0.43% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.52% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.34% |
| Q3 2024 | 1.37% |
| Q4 2024 | 1.48% |
| Q1 2025 | 1.63% |
| Q2 2025 | 1.71% |
| Q3 2025 | 1.56% |
| Q4 2025 | 1.58% |
| Q1 2026 | 1.50% |
| Q2 2026 | 1.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $1.1B | 10.48% | 0.52% | 1.61% | 68.8% |
| Q1 2026 | 71 | $1.1B | 10.48% | 0.60% | 1.50% | 66.2% |
| Q4 2025 | 76 | $1.1B | 10.55% | 0.43% | 1.58% | 64.4% |
| Q3 2025 | 76 | $1.1B | 10.47% | 0.39% | 1.56% | 63.2% |
| Q2 2025 | 77 | $1.1B | 10.88% | 0.57% | 1.71% | 62.3% |
| Q1 2025 | 78 | $975.3M | 11.04% | 0.44% | 1.63% | 64.9% |
| Q4 2024 | 75 | $981.7M | 10.73% | 0.56% | 1.48% | 65.2% |
| Q3 2024 | 77 | $991.5M | 10.53% | 0.18% | 1.37% | 63.9% |
| Q2 2024 | 77 | $985.4M | 10.34% | 0.07% | 1.34% | 65.4% |
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).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Thread BankBank Rogersville, TN | 71 out of 100, Strong | $1.1B | 9.8% | 0.18% | vs |
| Financial Federal BankBank Memphis, TN | 67 out of 100, Moderate | $1.1B | 9.9% | 0.05% | vs |
| The Bank of Fayette CountyBank Piperton, TN | 58 out of 100, Moderate | $1.1B | 9.6% | 1.09% | vs |
| Commercial Bank & Trust Co.Bank Paris, TN | 80 out of 100, Strong | $1.1B | 12.1% | 0.15% | vs |
| InsBankBank Nashville, TN | 68 out of 100, Moderate | $1.1B | 10.2% | 0.24% | vs |
| Centennial BankBank Trezevant, TN | 59 out of 100, Moderate | $1.1B | 9.8% | 1.26% | vs |
Deposit insurance
Is my money safe at First Federal Bank?
Yes. First Federal Bank is an FDIC-insured institution (FDIC certificate #29782). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 49.5% of deposits ($484.0M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.48%, well 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%).
17 locations
Branches
First Federal Bank lists 17 offices in 11 cities. Most locations:
- Clarksville, TN (5)
- Dickson, TN (3)
- Burns, TN (1)
- Centerville, TN (1)
- Charlotte, TN (1)
- Fairview, TN (1)
- Mc Ewen, TN (1)
- New Johnsonville, TN (1)
- Vanleer, TN (1)
- Waverly, TN (1)
- White Bluff, TN (1)
HMDA 2025
Mortgage lending
In 2025, First Federal Bank reported 380 home-loan applications under HMDA (LEI 549300CNRVR02KBUDD48): 315 originated ($70,045,000 total), 36 denied, and 19 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.0%, 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
- First Federal Bank
- Former names
- First Federal Savings Bank; First Federal Savings and Loan Association
- Type
- SI
- FDIC certificate #
- 29782
- RSSD ID
- 220974
- Primary regulator
- FDIC
- Holding company
- Southeastern Bcorp Inc
- Established
- October 16, 1936
- Headquarters
- 611 E College St, Dickson, TN 37055
- Website
- www.ffbtn.com
- Employees
- 171
Quick answers
First Federal Bank: common questions
Is First Federal Bank FDIC insured?
Yes. First Federal Bank is an FDIC-insured institution (FDIC certificate #29782). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Federal Bank's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Federal Bank ever failed?
There is no failure record for FDIC certificate #29782 in the FDIC failed bank list.
How many branches does First Federal Bank have?
17 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Dickson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ascend Federal Credit UnionCredit union Tullahoma, TN | 83 out of 100, Strong | $4.8B | 14.6% | 0.49% | vs |
| First Farmers and Merchants BankBank Columbia, TN | 79 out of 100, Strong | $1.8B | 11.2% | 0.12% | vs |
| Bank of DicksonBank Dickson, TN | 78 out of 100, Strong | $291.0M | 11.5% | 0.00% | vs |
| Legends BankBank Clarksville, TN | 71 out of 100, Strong | $927.7M | 10.0% | 0.00% | vs |
| Traditions First BankBank Erin, TN | 70 out of 100, Strong | $336.6M | 9.9% | 0.01% | vs |
| Lawrence BankBank Nashville, TN | 69 out of 100, Moderate | $3.0B | 9.8% | 0.17% | vs |