First Federal Bank, A FSB is a savings bank headquartered in Tuscaloosa, Alabama, in business for about 67 years. At the end of Q2 2026 it reported $182.6M in total assets and $120.4M in deposits, with 3 offices.
Based on its Q2 2026 filing, First Federal Bank, A FSB scores 55/100, which we describe as moderate. That is higher than only 11% of 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 81st. Its strongest component is problem-loan coverage (88/100; 5.9%), and its lowest is capital cushion (28/100; 7.82%).
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 rose 4 points (51 → 55), mostly because the earnings component improved by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 47 |
| Q3 2024 | 45 |
| Q4 2024 | 43 |
| Q1 2025 | 48 |
| Q2 2025 | 51 |
| Q3 2025 | 56 |
| Q4 2025 | 54 |
| Q1 2026 | 56 |
| Q2 2026 | 55 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.75% |
| Q3 2024 | 7.40% |
| Q4 2024 | 7.45% |
| Q1 2025 | 7.88% |
| Q2 2025 | 7.69% |
| Q3 2025 | 7.89% |
| Q4 2025 | 7.98% |
| Q1 2026 | 8.19% |
| Q2 2026 | 7.82% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.62% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.69% |
| Q1 2025 | 0.69% |
| Q2 2025 | 0.48% |
| Q3 2025 | 0.31% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.63% |
| Q2 2026 | 0.60% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.08% |
| Q3 2024 | -0.18% |
| Q4 2024 | -0.42% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.20% |
| Q3 2025 | 0.45% |
| Q4 2025 | 0.24% |
| Q1 2026 | 0.83% |
| Q2 2026 | 0.74% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $182.6M | 7.82% | 0.60% | 0.74% | 125.1% |
| Q1 2026 | 56 | $178.7M | 8.19% | 0.63% | 0.83% | 132.7% |
| Q4 2025 | 54 | $173.0M | 7.98% | 0.35% | 0.24% | 129.2% |
| Q3 2025 | 56 | $175.0M | 7.89% | 0.31% | 0.45% | 125.5% |
| Q2 2025 | 51 | $181.8M | 7.69% | 0.48% | 0.20% | 124.8% |
| Q1 2025 | 48 | $175.1M | 7.88% | 0.69% | 0.02% | 117.7% |
| Q4 2024 | 43 | $163.3M | 7.45% | 0.69% | -0.42% | 111.7% |
| Q3 2024 | 45 | $184.6M | 7.40% | 0.64% | -0.18% | 114.1% |
| Q2 2024 | 47 | $187.7M | 7.75% | 0.62% | -0.08% | 125.1% |
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).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| North Alabama BankBank Hazel Green, AL | 80 out of 100, Strong | $178.6M | 11.7% | 0.15% | vs |
| The First National Bank of HartfordBank Hartford, AL | 75 out of 100, Strong | $173.0M | 12.9% | 1.19% | vs |
| Community Neighbor BankBank Camden, AL | 69 out of 100, Moderate | $193.2M | 11.1% | 1.30% | vs |
| Valley State BankBank Russellville, AL | 82 out of 100, Strong | $169.5M | 17.8% | 0.97% | vs |
| PeoplesTrust BankBank Hamilton, AL | 73 out of 100, Strong | $201.2M | 11.1% | 0.45% | vs |
| Millennial BankBank Leeds, AL | 64 out of 100, Moderate | $201.3M | 8.8% | 0.00% | vs |
Deposit insurance
Is my money safe at First Federal Bank, A FSB?
Yes. First Federal Bank, A FSB is an FDIC-insured institution (FDIC certificate #31127). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.1% of deposits ($10.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.82%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.66% (benchmark: 10%).
3 locations
Branches
First Federal Bank, A FSB lists 3 offices in 1 city. Most locations:
- Tuscaloosa, AL (3)
HMDA 2025
Mortgage lending
In 2025, First Federal Bank, A FSB reported 1,836 home-loan applications under HMDA (LEI 549300ROGHTFGYNKE773): 1,328 originated ($333,740,000 total), 63 denied, and 427 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.5%, 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, A FSB
- Former names
- First Federal Savings and Loan Association of the Wiregrass; First Federal Savings Bank
- Type
- Savings bank
- FDIC certificate #
- 31127
- RSSD ID
- 814074
- Primary regulator
- OCC
- Holding company
- Southeastern Financial Inc
- Established
- November 20, 1959
- Headquarters
- 1300 Mcfarland Blvd Ne, Tuscaloosa, AL 35406
- Website
- www.1stfed.com
- Employees
- 87
Quick answers
First Federal Bank, A FSB: common questions
Is First Federal Bank, A FSB FDIC insured?
Yes. First Federal Bank, A FSB is an FDIC-insured institution (FDIC certificate #31127). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Federal Bank, A FSB's TellerScore?
55 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, A FSB ever failed?
There is no failure record for FDIC certificate #31127 in the FDIC failed bank list.
How many branches does First Federal Bank, A FSB have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Tuscaloosa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Nucor Employee'S Credit UnionCredit union Florence, SC | 91 out of 100, Very strong | $68.2M | 19.7% | 0.61% | vs |
| First State Bank of the South, Inc.Bank Sulligent, AL | 89 out of 100, Very strong | $130.7M | 16.4% | 0.24% | vs |
| City Credit UnionCredit union Tuscaloosa, AL | 86 out of 100, Very strong | $21.3M | 24.0% | 0.79% | vs |
| Tuscaloosa V a Federal Credit UnionCredit union Tuscaloosa, AL | 84 out of 100, Strong | $51.9M | 13.1% | 0.24% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |
| Robertson Banking CompanyBank Demopolis, AL | 83 out of 100, Strong | $462.7M | 11.3% | 0.13% | vs |