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.

The score has been essentially flat from Q2 2025 to Q2 2026 (60 → 61).

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 Mississippi

Yes. First Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #30812). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.4% of deposits ($61.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.72%, 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

First Federal Savings and Loan Association lists 6 offices in 6 cities. Most locations:

• Gautier, MS (1)
• Hurley, MS (1)
• Moss Point, MS (1)
• Ocean Springs, MS (1)
• Pascagoula, MS (1)
• Vancleave, MS (1)

All branch addresses and map

In 2025, First Federal Savings and Loan Association reported 158 home-loan applications under HMDA (LEI 54930017IQ4KPG7QW263): 124 originated ($22,890,000 total), 17 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.0%, 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.

Legal name

First Federal Savings and Loan Association

Type

Savings bank

FDIC certificate #

30812

RSSD ID

90177

Primary regulator

OCC

Established

October 28, 1955

Headquarters

903 Jackson Ave, Pascagoula, MS 39567

Website

www.firstwithus.com

Employees

51