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Financial Federal Bank
Memphis, TN · FDIC Certificate #31840 · Chartered 01/0
Total assets
$1.12B
Total deposits
$879.69M
Total equity
$110.22M
Net loans
$1.07B
Branches (offices)
1
Net income (YTD)
$5.61M
Rank: #941 of 4,213 U.S. banks by assets · #26 of 109 in Tennessee. Assets changed 3.5% and deposits 8.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 10.30% |
| Net interest margin (YTD) | 2.62% |
| Equity to assets | 9.81% |
| Tier 1 leverage ratio | 9.92% |
| Uninsured deposits (share of deposits) | 22.5% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 122.0% |
| Real estate loans (share of loans) | 83.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $899.05M | 83.8% | |
| Commercial & industrial | $153.25M | 14.3% | |
| Consumer / individual | $27.90M | 2.6% | |
| Construction & development | $173.98M | 16.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $818.80M | $590.69M | $8.37M | $98.01M |
| Jun 2023 | $917.16M | $671.70M | $4.71M | $101.93M |
| Jun 2024 | $1.02B | $737.48M | $1.91M | $100.85M |
| Jun 2025 | $1.09B | $809.50M | $4.08M | $105.88M |
| Jun 2026 | $1.12B | $879.69M | $5.61M | $110.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $879.69M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $879.69M.
Similar-sized banks
First Reliance Bank ($1.13B) · Pentucket Bank ($1.12B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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