TellerScore

Headquartered in Lake City, Florida, First Federal Bank is a savings bank with $4.5B in total assets and $3.4B in deposits as of Q2 2026. It operates 29 offices across 2 states. Its charter dates back to 1961.

First Federal Bank has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 897 banks with $1 billion – $10 billion. Among 82 banks headquartered in Florida, it ranks 77th. Problem-loan coverage contributes the most (82/100, 8.9%); loan quality contributes the least (1/100, 2.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.83%
Loan quality1/100
Noncurrent loans ÷ total loans: 2.96%
Earnings68/100
Return on assets (annualized): 1.19%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 41.4% · 40.7% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.94%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (49 → 50).

TellerScore
444750Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202444
Q3 202446
Q4 202447
Q1 202549
Q2 202549
Q3 202550
Q4 202544
Q1 202650
Q2 202650
Tier 1 leverage ratio
5.00%8.12%11.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.36%
Q3 20249.98%
Q4 202410.50%
Q1 202510.90%
Q2 202510.77%
Q3 202511.25%
Q4 202510.71%
Q1 202610.94%
Q2 202610.83%
Noncurrent loans
2.94%3.53%4.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20243.32%
Q3 20243.52%
Q4 20243.68%
Q1 20253.79%
Q2 20252.94%
Q3 20254.12%
Q4 20253.18%
Q1 20263.29%
Q2 20262.96%
Return on assets
0.58%0.90%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.91%
Q3 20240.98%
Q4 20240.97%
Q1 20251.07%
Q2 20251.02%
Q3 20251.07%
Q4 20250.58%
Q1 20261.22%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$4.5B10.83%2.96%1.19%41.4%
Q1 202650$4.4B10.94%3.29%1.22%39.2%
Q4 202544$4.3B10.71%3.18%0.58%42.8%
Q3 202550$4.1B11.25%4.12%1.07%41.1%
Q2 202549$4.2B10.77%2.94%1.02%42.4%
Q1 202549$4.0B10.90%3.79%1.07%39.4%
Q4 202447$3.8B10.50%3.68%0.97%37.4%
Q3 202446$3.9B9.98%3.52%0.98%39.4%
Q2 202444$4.2B9.36%3.32%0.91%38.7%

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 ratio10.83%
57th
Total risk-based capital21.06%
93rd
Problem loans2.96%
4th
Net charge-offs0.11%
29th
Return on assets1.19%
45th
Net interest margin3.32%
27th
Efficiency ratio66.7%
28th
Loans to deposits41.4%
97th
Uninsured deposits40.7%
25th
Loan-loss reserves0.76%
13th
Texas ratio8.9%
20th

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Capital City BankBank Tallahassee, FL72 out of 100, Strong$4.4B10.3%0.40%vs
Banco do Brasil AmericasBank Miami, FL72 out of 100, Strong$3.5B10.9%0.83%vs
Emigrant BankBank Miami, FL55 out of 100, Moderate$5.7B20.3%4.77%vs
The Bank of TampaBank Tampa, FL70 out of 100, Strong$3.0B11.0%0.29%vs
U. S. Century BankBank Doral, FL69 out of 100, Moderate$3.0B10.0%0.09%vs
Banesco USABank Miami, FL72 out of 100, Strong$6.0B11.5%0.49%vs

Deposit insurance

Is my money safe at First Federal Bank?

Yes. First Federal Bank is an FDIC-insured institution (FDIC certificate #31313). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.7% of deposits ($1.4B) 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 10.83%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.06% (benchmark: 10%).

Check how much of your own balance is covered

29 locations

Branches

First Federal Bank lists 26 offices in 18 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Federal Bank reported 7,986 home-loan applications under HMDA (LEI Q708HHR4LD2B7XIZNO92): 4,691 originated ($1,803,925,000 total), 735 denied, and 2,536 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.5%, 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 Bank of Florida; First Federal Savings and Loan Association; First Federal Savings Bank of Florida
Type
Savings bank
FDIC certificate #
31313
RSSD ID
384278
Primary regulator
OCC
Holding company
First Federal Bcorp Mhc
Established
January 1, 1961
Headquarters
4705 W Us Highway 90, Lake City, FL 32055
Employees
602

Quick answers

First Federal Bank: common questions

Is First Federal Bank FDIC insured?

Yes. First Federal Bank is an FDIC-insured institution (FDIC certificate #31313). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Federal Bank's TellerScore?

50 out of 100 (Below average), 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 #31313 in the FDIC failed bank list.

How many branches does First Federal Bank have?

29 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Lake City

InstitutionScoreAssetsCapitalProblem loansCompare
Suwannee River Federal Credit UnionCredit union Live Oak, FL83 out of 100, Strong$25.7M12.1%0.03%vs
Campus USA Credit UnionCredit union Gainesville, FL76 out of 100, Strong$4.0B12.3%0.38%vs
Lafayette State BankBank Mayo, FL74 out of 100, Strong$252.2M9.9%0.06%vs
DLP BankBank Starke, FL74 out of 100, Strong$301.4M15.3%1.45%vs
Capital City BankBank Tallahassee, FL72 out of 100, Strong$4.4B10.3%0.40%vs
Ameris BankBank Atlanta, GA67 out of 100, Moderate$28.4B11.4%0.57%vs