TellerScore

First Federal Bank (FDIC certificate #31077) is based in Dunn, North Carolina. Its Q2 2026 call report shows $275.6M in total assets and $250.5M in deposits and 7 offices.

Based on its Q2 2026 filing, First Federal Bank scores 59/100, which we describe as moderate. That is higher than only 17% of 2,650 banks with $100 million – $1 billion. Among 38 banks headquartered in North Carolina, it ranks 35th. Its strongest component is problem-loan coverage (91/100; 4.7%), and its lowest is earnings (32/100; 0.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.25%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.47%
Earnings32/100
Return on assets (annualized): 0.29%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 80.2% · 29.9% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.72%

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 4 points (55 → 59), mostly because the loan quality component improved by 13 points.

TellerScore
555860Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202460
Q4 202460
Q1 202555
Q2 202555
Q3 202555
Q4 202558
Q1 202657
Q2 202659
Tier 1 leverage ratio
5.00%7.23%9.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.35%
Q3 20249.40%
Q4 20249.45%
Q1 20259.41%
Q2 20259.25%
Q3 20259.35%
Q4 20259.26%
Q1 20269.16%
Q2 20269.25%
Noncurrent loans
0.38%0.62%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.40%
Q3 20240.40%
Q4 20240.38%
Q1 20250.84%
Q2 20250.86%
Q3 20250.83%
Q4 20250.56%
Q1 20260.53%
Q2 20260.47%
Return on assets
0.12%0.21%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.17%
Q3 20240.12%
Q4 20240.13%
Q1 20250.19%
Q2 20250.22%
Q3 20250.27%
Q4 20250.30%
Q1 20260.19%
Q2 20260.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$275.6M9.25%0.47%0.29%80.2%
Q1 202657$272.1M9.16%0.53%0.19%80.5%
Q4 202558$271.9M9.26%0.56%0.30%79.1%
Q3 202555$261.7M9.35%0.83%0.27%81.4%
Q2 202555$262.7M9.25%0.86%0.22%78.0%
Q1 202555$262.6M9.41%0.84%0.19%77.1%
Q4 202460$254.1M9.45%0.38%0.13%81.5%
Q3 202460$253.1M9.40%0.40%0.12%78.7%
Q2 202460$257.6M9.35%0.40%0.17%77.1%

2,650 peers · $100 million – $1 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 ratio9.25%
16th
Total risk-based capital16.59%
76th
Problem loans0.47%
47th
Net charge-offs-0.00%
82nd
Return on assets0.29%
7th
Net interest margin3.26%
18th
Efficiency ratio85.4%
9th
Loans to deposits80.2%
49th
Uninsured deposits29.9%
28th
Loan-loss reserves0.84%
13th
Texas ratio4.7%
37th

Similar-size banks in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Nantahala Bank & Trust CompanyBank Franklin, NC73 out of 100, Strong$288.8M9.4%0.32%vs
Taylorsville Savings Bank, SSBBank Taylorsville, NC63 out of 100, Moderate$232.4M8.1%0.40%vs
American Bank of the CarolinasBank Monroe, NC80 out of 100, Strong$214.0M12.3%0.00%vs
Roxboro Savings Bank, SSBBank Roxboro, NC90 out of 100, Very strong$360.7M19.0%0.13%vs
New Republic BankBank Roanoke Rapids, NC92 out of 100, Very strong$176.3M15.8%0.15%vs
Belmont Savings Bank, SSBBank Belmont, NC69 out of 100, Moderate$161.0M12.9%0.37%vs

Deposit insurance

Is my money safe at First Federal Bank?

Yes. First Federal Bank is an FDIC-insured institution (FDIC certificate #31077). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.9% of deposits ($74.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.25%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.59% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

First Federal Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Federal Bank reported 51 home-loan applications under HMDA (LEI 5493004W7AEPOP0B0249): 44 originated ($19,730,000 total), 0 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
Savings bank
FDIC certificate #
31077
RSSD ID
943974
Primary regulator
OCC
Holding company
First Federal Financial Corp
Established
January 1, 1958
Headquarters
200 E Divine St, Dunn, NC 28334
Employees
56

Quick answers

First Federal Bank: common questions

Is First Federal Bank FDIC insured?

Yes. First Federal Bank is an FDIC-insured institution (FDIC certificate #31077). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Federal Bank's TellerScore?

59 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 First Federal Bank ever failed?

There is no failure record for FDIC certificate #31077 in the FDIC failed bank list.

How many branches does First Federal Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dunn

InstitutionScoreAssetsCapitalProblem loansCompare
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The Fidelity BankBank Fuquay Varina, NC78 out of 100, Strong$4.7B11.5%0.42%vs
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