Headquartered in Valdosta, Georgia, First Federal Savings and Loan Association of Valdosta is a savings bank with $278.5M in total assets and $208.5M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1934.
Based on its Q2 2026 filing, First Federal Savings and Loan Association of Valdosta scores 57/100, which we describe as moderate. That is higher than only 14% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 114th. Its strongest component is problem-loan coverage (75/100; 12.6%), and its lowest is loan quality (40/100; 1.79%).
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 fell 12 points (69 → 57), mostly because the loan quality component weakened by 36 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 65 |
| Q4 2024 | 58 |
| Q1 2025 | 73 |
| Q2 2025 | 69 |
| Q3 2025 | 64 |
| Q4 2025 | 56 |
| Q1 2026 | 61 |
| Q2 2026 | 57 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.74% |
| Q3 2024 | 13.39% |
| Q4 2024 | 12.69% |
| Q1 2025 | 12.61% |
| Q2 2025 | 12.84% |
| Q3 2025 | 12.88% |
| Q4 2025 | 12.26% |
| Q1 2026 | 12.17% |
| Q2 2026 | 12.26% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.33% |
| Q3 2024 | 1.27% |
| Q4 2024 | 1.46% |
| Q1 2025 | 0.30% |
| Q2 2025 | 0.73% |
| Q3 2025 | 1.24% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.35% |
| Q2 2026 | 1.79% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.71% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.40% |
| Q1 2025 | 0.82% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.80% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.84% |
| Q2 2026 | 0.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $278.5M | 12.26% | 1.79% | 0.83% | 116.7% |
| Q1 2026 | 61 | $277.6M | 12.17% | 1.35% | 0.84% | 115.8% |
| Q4 2025 | 56 | $271.9M | 12.26% | 1.64% | 0.46% | 121.5% |
| Q3 2025 | 64 | $259.8M | 12.88% | 1.24% | 0.80% | 121.1% |
| Q2 2025 | 69 | $252.0M | 12.84% | 0.73% | 0.82% | 114.0% |
| Q1 2025 | 73 | $256.5M | 12.61% | 0.30% | 0.82% | 108.3% |
| Q4 2024 | 58 | $249.1M | 12.69% | 1.46% | 0.40% | 110.7% |
| Q3 2024 | 65 | $237.9M | 13.39% | 1.27% | 0.71% | 116.0% |
| Q2 2024 | 65 | $234.2M | 13.74% | 1.33% | 0.71% | 115.5% |
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 Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| South Coast Bank & TrustBank Brunswick, GA | 72 out of 100, Strong | $269.8M | 9.9% | 0.49% | vs |
| The Peoples BankBank Eatonton, GA | 79 out of 100, Strong | $269.7M | 11.7% | 0.00% | vs |
| South Georgia BankBank Glennville, GA | 81 out of 100, Strong | $269.5M | 10.6% | 0.16% | vs |
| Community Bank of GeorgiaBank Baxley, GA | 74 out of 100, Strong | $269.5M | 11.0% | 1.05% | vs |
| Farmers & Merchants BankBank Eatonton, GA | 66 out of 100, Moderate | $289.6M | 11.2% | 0.74% | vs |
| Georgia First BankBank Soperton, GA | 75 out of 100, Strong | $290.8M | 9.5% | 0.07% | vs |
Deposit insurance
Is my money safe at First Federal Savings and Loan Association of Valdosta?
Yes. First Federal Savings and Loan Association of Valdosta is an FDIC-insured institution (FDIC certificate #29164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.9% of deposits ($37.4M) 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 12.26%, 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%).
4 locations
Branches
First Federal Savings and Loan Association of Valdosta lists 4 offices in 2 cities. Most locations:
- Valdosta, GA (3)
- Lake Park, GA (1)
HMDA 2025
Mortgage lending
In 2025, First Federal Savings and Loan Association of Valdosta reported 150 home-loan applications under HMDA (LEI 54930046UUU8KKVCYD66): 150 originated ($42,360,000 total), 0 denied, and 0 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 Savings and Loan Association of Valdosta
- Former names
- First Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 29164
- RSSD ID
- 828174
- Primary regulator
- OCC
- Established
- September 1, 1934
- Headquarters
- 411 N Patterson St, Valdosta, GA 31601
- Website
- www.1stfederalvaldosta.com
- Employees
- 43
Quick answers
First Federal Savings and Loan Association of Valdosta: common questions
Is First Federal Savings and Loan Association of Valdosta FDIC insured?
Yes. First Federal Savings and Loan Association of Valdosta is an FDIC-insured institution (FDIC certificate #29164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Federal Savings and Loan Association of Valdosta's TellerScore?
57 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 Savings and Loan Association of Valdosta ever failed?
There is no failure record for FDIC certificate #29164 in the FDIC failed bank list.
How many branches does First Federal Savings and Loan Association of Valdosta have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Valdosta
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Trust BankBank Lenox, GA | 86 out of 100, Very strong | $47.0M | 16.2% | 1.36% | vs |
| Southern Pine Credit UnionCredit union Lake Park, GA | 82 out of 100, Strong | $27.6M | 23.7% | 0.79% | vs |
| The Citizens National Bank of QuitmanBank Quitman, GA | 81 out of 100, Strong | $133.7M | 11.6% | 0.21% | vs |
| Commercial Banking CompanyBank Valdosta, GA | 79 out of 100, Strong | $409.5M | 10.3% | 0.04% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| Community Bank of GeorgiaBank Baxley, GA | 74 out of 100, Strong | $269.5M | 11.0% | 1.05% | vs |