TellerScore

First Federal Community Bank, SSB is a si headquartered in Paris, Texas, in business for about 104 years. At the end of Q2 2026 it reported $603.6M in total assets and $520.4M in deposits, with 4 offices.

Based on its Q2 2026 filing, First Federal Community Bank, SSB scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 177th. Its strongest component is problem-loan coverage (92/100; 4.2%), and its lowest is earnings (61/100; 1.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Tier 1 leverage ratio: 13.10%
Loan quality75/100
Noncurrent loans ÷ total loans: 0.75%
Earnings61/100
Return on assets (annualized): 1.03%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 89.8% · 21.2% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.20%

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 8 points (66 → 74), mostly because the loan quality component improved by 17 points.

TellerScore
647075Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202474
Q4 202472
Q1 202573
Q2 202566
Q3 202575
Q4 202575
Q1 202665
Q2 202674
Tier 1 leverage ratio
5.00%9.05%13.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.33%
Q3 202412.46%
Q4 202412.40%
Q1 202512.66%
Q2 202512.62%
Q3 202512.83%
Q4 202512.79%
Q1 202612.67%
Q2 202613.10%
Noncurrent loans
0.33%0.87%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.29%
Q3 20240.33%
Q4 20240.50%
Q1 20250.48%
Q2 20251.27%
Q3 20250.46%
Q4 20250.51%
Q1 20261.41%
Q2 20260.75%
Return on assets
0.80%0.92%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.80%
Q3 20240.84%
Q4 20240.84%
Q1 20250.82%
Q2 20250.93%
Q3 20250.99%
Q4 20250.99%
Q1 20260.86%
Q2 20261.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$603.6M13.10%0.75%1.03%89.8%
Q1 202665$616.2M12.67%1.41%0.86%86.9%
Q4 202575$608.0M12.79%0.51%0.99%90.1%
Q3 202575$592.7M12.83%0.46%0.99%92.1%
Q2 202566$585.4M12.62%1.27%0.93%92.1%
Q1 202573$587.7M12.66%0.48%0.82%90.6%
Q4 202472$560.8M12.40%0.50%0.84%94.8%
Q3 202474$563.2M12.46%0.33%0.84%92.5%
Q2 202464$558.8M12.33%1.29%0.80%93.6%

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 ratio13.10%
76th
Total risk-based capital0.00%
24th
Problem loans0.75%
35th
Net charge-offs-0.00%
77th
Return on assets1.03%
35th
Net interest margin3.91%
48th
Efficiency ratio68.5%
33rd
Loans to deposits89.8%
26th
Uninsured deposits21.2%
60th
Loan-loss reserves1.29%
62nd
Texas ratio4.2%
40th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
The Falls City National BankBank Falls City, TX69 out of 100, Moderate$597.1M16.3%3.22%vs
Gulf Capital BankBank Houston, TX71 out of 100, Strong$596.5M13.8%0.65%vs
The First National Bank of East TexasBank Gilmer, TX60 out of 100, Moderate$594.8M10.0%1.58%vs
NBT Financial BankBank Fort Worth, TX50 out of 100, Below average$618.7M10.9%2.29%vs
First National Bank of HuntsvilleBank Huntsville, TX90 out of 100, Very strong$584.9M13.3%0.05%vs
The Bank and Trust, S.S.B.Bank Del Rio, TX77 out of 100, Strong$583.8M10.0%0.05%vs

Deposit insurance

Is my money safe at First Federal Community Bank, SSB?

Yes. First Federal Community Bank, SSB is an FDIC-insured institution (FDIC certificate #27678). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.2% of deposits ($110.1M) 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 13.10%, 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%).

Check how much of your own balance is covered

4 locations

Branches

First Federal Community Bank, SSB lists 4 offices in 3 cities. Most locations:

  • Paris, TX (2)
  • Clarksville, TX (1)
  • Mount Pleasant, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
First Federal Community Bank, SSB
Former names
First Federal Community Bank; First Federal Savings and Loan Association
Type
SI
FDIC certificate #
27678
RSSD ID
898579
Primary regulator
FDIC
Holding company
First Federal Community Mhc
Established
January 1, 1922
Headquarters
630 Clarksville St, Paris, TX 75460
Employees
83

Quick answers

First Federal Community Bank, SSB: common questions

Is First Federal Community Bank, SSB FDIC insured?

Yes. First Federal Community Bank, SSB is an FDIC-insured institution (FDIC certificate #27678). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Federal Community Bank, SSB's TellerScore?

74 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 Community Bank, SSB ever failed?

There is no failure record for FDIC certificate #27678 in the FDIC failed bank list.

How many branches does First Federal Community Bank, SSB have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Paris

InstitutionScoreAssetsCapitalProblem loansCompare
Employees United Federal Credit UnionCredit union Paris, TX92 out of 100, Very strong$12.4M32.7%0.08%vs
Northeast Texas Teachers Federal Credit UnionCredit union Paris, TX83 out of 100, Strong$33.1M14.4%0.43%vs
Legend Bank, N.A.Bank Bowie, TX82 out of 100, Strong$1.3B10.4%0.12%vs
Commercial Bank of Texas, National AssociationBank Nacogdoches, TX77 out of 100, Strong$1.7B10.6%0.14%vs
Peoples BankBank Paris, TX76 out of 100, Strong$185.4M9.6%0.25%vs
The Liberty National Bank in ParisBank Paris, TX75 out of 100, Strong$452.1M12.8%0.88%vs