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First Federal Bank
Dunn, NC · FDIC Certificate #31077 · Chartered 01/0
Total assets
$275.58M
Total deposits
$250.51M
Total equity
$18.67M
Net loans
$200.90M
Branches (offices)
7
Net income (YTD)
$396.00K
Rank: #2,591 of 4,213 U.S. banks by assets · #26 of 38 in North Carolina. Assets changed 4.9% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.29% |
| Return on equity | 4.33% |
| Net interest margin (YTD) | 3.26% |
| Equity to assets | 6.77% |
| Tier 1 leverage ratio | 9.25% |
| Uninsured deposits (share of deposits) | 29.9% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 80.2% |
| Real estate loans (share of loans) | 95.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $192.58M | 95.9% | |
| Commercial & industrial | $7.48M | 3.7% | |
| Consumer / individual | $2.31M | 1.1% | |
| Construction & development | $18.80M | 9.4% | |
| Agricultural | $78.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $231.54M | $210.13M | $439.00K | $14.78M |
| Jun 2023 | $252.06M | $232.92M | $412.00K | $14.44M |
| Jun 2024 | $257.58M | $235.74M | $222.00K | $15.76M |
| Jun 2025 | $262.70M | $241.05M | $280.00K | $15.68M |
| Jun 2026 | $275.58M | $250.51M | $396.00K | $18.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $250.51M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $250.51M.
Similar-sized banks
Citizens State Bank And Trust Co., Ellsworth, Kansas ($275.92M) · The First National Bank Of Ballinger ($275.27M)
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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