Advertisement
First Federal Bank, A FSB
Tuscaloosa, AL · FDIC Certificate #31127 · Chartered 11/2
Total assets
$182.60M
Total deposits
$120.36M
Total equity
$13.90M
Net loans
$150.51M
Branches (offices)
3
Net income (YTD)
$661.00K
Rank: #3,097 of 4,213 U.S. banks by assets · #66 of 93 in Alabama. Assets changed 0.4% and deposits 0.2% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.74% |
| Return on equity | 9.71% |
| Net interest margin (YTD) | 2.74% |
| Equity to assets | 7.61% |
| Tier 1 leverage ratio | 7.82% |
| Uninsured deposits (share of deposits) | 9.1% |
| Noncurrent loans (share of loans) | 0.60% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 125.1% |
| Real estate loans (share of loans) | 100.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $151.60M | 100.7% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $129.00K | 0.1% | |
| Construction & development | $3.65M | 2.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $128.95M | $96.54M | $159.00K | $15.79M |
| Jun 2023 | $174.56M | $109.71M | -$334.00K | $14.31M |
| Jun 2024 | $187.68M | $123.92M | -$73.00K | $13.61M |
| Jun 2025 | $181.84M | $120.09M | $172.00K | $13.11M |
| Jun 2026 | $182.60M | $120.36M | $661.00K | $13.90M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $120.36M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $120.36M.
Similar-sized banks
Danville State Savings Bank ($182.62M) · F&M Bank And Trust Company ($182.36M)
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.
Advertisement