What is First Federal Bank's financial health grade?

First Federal Bank has a TFS Financial Health Grade of C- (score: 64.9/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Federal Bank have?

First Federal Bank has 30 branch locations across the United States.

Is First Federal Bank FDIC insured?

Yes, First Federal Bank is FDIC insured (Certificate #31313).

What are the total assets of First Federal Bank?

First Federal Bank has total assets of $4.5B as reported in its most recent FDIC filing.

First Federal Bank: TFS Grade & Financial Health

BankLake City, Florida

www.ffbf.com

Compare First Federal BankCD withdrawal tools

Total Assets

$4.5B

Total Deposits

$3.4B

Branches

Established

1961

First Federal Bank is a bank headquartered in Lake City, Florida, established in 1961. It holds $4.5B in total assets across 30 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First Federal Bank earns a TFS Financial Health Grade of C- (64.9/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

C-

64.9 / 100

Average financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Tier 1 Capital Ratio

10.83%(8%)

Total Capital Ratio

21.06%(10%)

Non-Performing Loan Ratio

2.96%

Profitability

Return on Assets (ROA)

1.19%(1%)

Return on Equity (ROE)

11.61%(10%)

Net Interest Margin

3.32%

Efficiency Ratio

66.69%(60%)

Lending & Liquidity

Total Loans

$1.4B

Loan-to-Deposit Ratio

41.35%

Net Charge-Off Ratio

Other banks in Florida

SouthState Bank, National Association

Bank

Winter Haven, FL

$68.8B

B+

EverBank, National Association

Bank

Jacksonville, FL

$46.7B

Raymond James Bank

Bank

Saint Petersburg, FL

$45.6B

A-

BankUnited, National Association

Branch	Address	City	State	Type
First Federal BankHQ	4705 W Us Highway 90	Lake City	FL	11
First Federal Bank	300 N Waukesha St	Bonifay	FL	11
First Federal Bank	1012 Main St	Chipley	FL	11
First Federal Bank	11035 County Road 136	Dowling Park	FL	11
First Federal Bank	1891 S 14th St	Fernandina Beach	FL	11
First Federal Bank	5100 Sw 25th Blvd	Gainesville	FL	11
First Federal Bank	4200 Sw 34th St	Gainesville	FL	11
First Federal Bank	962 8th Ave	Graceville	FL	11
First Federal Bank	9700 Touchton Road	Jacksonville	FL	11
First Federal Bank	507 Hatley St W	Jasper	FL	11
First Federal Bank	707 Sw Main Blvd	Lake City	FL	11
First Federal Bank	2571 W Us Highway 90	Lake City	FL	11
First Federal Bank	4705 W Us Highway 90	Lake City	FL	27
First Federal Bank	1102 Ohio Ave N	Live Oak	FL	11
First Federal Bank	804 Ohio Ave S	Live Oak	FL	11
First Federal Bank	784 S 6th St	Macclenny	FL	11
First Federal Bank	4215 Lafayette St	Marianna	FL	11
First Federal Bank	4701 Highway 90	Marianna	FL	11
First Federal Bank	187 N Fletcher Ave	Mayo	FL	11
First Federal Bank	206 Sw 10th St	Ocala	FL	27
First Federal Bank	910 Sw 1st Ave	Ocala	FL	11
First Federal Bank	5860 W Highway 40	Ocala	FL	11
First Federal Bank	8399 Sw 80th St	Ocala	FL	11
First Federal Bank	415 N Richard Jackson Blvd	Panama City	FL	11
First Federal Bank	841 S Walnut St	Starke	FL	11
First Federal Bank	40 Floco Ave	Yulee	FL	11
First Federal Bank	463845 State Road 200	Yulee	FL	11
First Federal Bank	36 Sea Island Pkwy	Beaufort	SC	27
First Federal Bank	36 Sea Island Pkwy	Beaufort	SC	11
First Federal Bank	1700 Ribaut Rd	Port Royal	SC	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

No institution-level regulatory actions are currently published in TFS's exact-ID registry. Coverage is curated and this does not prove that no action exists.

Institution Details

Institution TypeBank

FDIC Certificate #31313

Primary RegulatorOCC

FDIC/NCUA InsuredYes

Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.

Same-period peer analysis · 2026-Q2

First Federal Bank compared with similar banks

Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.

Choose another

TFS health score

64.9

worse than peers

13th percentileMedian 79.2

Tier 1 capital ratio

10.83%

better than peers

56th percentileMedian 10.17%

Return on assets

1.19%

Near peers

37th percentileMedian 1.25%

Non-performing loans

2.96%

worse than peers

7th percentileMedian 0.60%

Efficiency ratio

66.69%

worse than peers

20th percentileMedian 58.02%

Asset growth (YoY)

6.94%

Near peers

54th percentileMedian 6.64%

Suggested direct comparisons

Closest useful peers

View FL rankings

B+

Same state

Capital City Bank

Tallahassee, FL

$4.4B

Same state

Emigrant Bank

Miami, FL

$5.7B

Same state

Banco do Brasil Americas

Miami, FL

$3.5B

First Federal Bank: TFS Grade & Financial Health

Capital & Safety

Profitability

Lending & Liquidity

Other banks in Florida

SouthState Bank, National Association

EverBank, National Association

Raymond James Bank

BankUnited, National Association

Growth

Institution Details

First Federal Bank compared with similar banks

Closest useful peers

City National Bank of Florida

Seacoast National Bank