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First Federal Bank
Lake City, FL · FDIC Certificate #31313 · Chartered 01/0
Total assets
$4.49B
Total deposits
$3.44B
Total equity
$465.83M
Net loans
$1.42B
Branches (offices)
27
Net income (YTD)
$26.21M
Rank: #308 of 4,213 U.S. banks by assets · #12 of 81 in Florida. Assets changed 6.9% and deposits 7.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.19% |
| Return on equity | 11.61% |
| Net interest margin (YTD) | 3.32% |
| Equity to assets | 10.38% |
| Tier 1 leverage ratio | 10.83% |
| Uninsured deposits (share of deposits) | 40.7% |
| Noncurrent loans (share of loans) | 2.96% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 41.4% |
| Real estate loans (share of loans) | 65.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $935.02M | 65.8% | |
| Commercial & industrial | $157.31M | 11.1% | |
| Consumer / individual | $88.27M | 6.2% | |
| Construction & development | $60.55M | 4.3% | |
| Agricultural | $937.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.50B | $3.07B | $17.97M | $270.94M |
| Jun 2023 | $3.85B | $3.47B | $17.11M | $272.47M |
| Jun 2024 | $4.19B | $3.53B | $18.20M | $336.59M |
| Jun 2025 | $4.19B | $3.21B | $20.48M | $397.11M |
| Jun 2026 | $4.49B | $3.44B | $26.21M | $465.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $3.34B | 25 |
| South Carolina | $93.92M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.44B.
Similar-sized banks
Texas Exchange Bank ($4.49B) · Metro City Bank ($4.47B)
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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