$4.49B
+6.9%y/y
FDIC
ASSETfiled 2026-07-27FF
First Federal Bank
Lake City, FloridaFDIC Cert #31313
OCCEstablished 196130 branches
Holding company: FIRST FEDERAL BCORP MHCRegulator: OCC
FDIC
CERT + OFFDOMfiled 2026-07-27What's happening here
As of Q2 2026FDIC
Call Reportfiled 2026-07-27First Federal Bank reported $4.49B in total assets. Deposits grew 7.10% over the prior year.
Return on assets was 1.22%. The leverage ratio was 10.83%.
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
Call Reportfiled 2026-07-27$3.44B
+7.1%y/y
FDIC
DEPfiled 2026-07-27$1.42B
+4.5%y/y
FDIC
LNLSNETfiled 2026-07-271.22%
+19 bpsy/y
FDIC
NETINC + ROAfiled 2026-07-27FDIC
NONIX + NIM + NONII + EEFFRfiled 2026-07-2710.83%
+6 bpsy/y
FDIC
RBC1AAJfiled 2026-07-27Percentiles compare this bank with official ffiec ubpr peer group.
Side-by-side comparison
First Federal Bank beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsfiled 2026-07-27FDIC
Call Reportfiled 2026-07-27Balance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q3 2021 | $3.23B | $2.78B |
| Q4 2021 | $3.42B | $2.96B |
| Q1 2022 | $3.5B | $3.11B |
| Q2 2022 | $3.5B | $3.07B |
| Q3 2022 | $3.64B | $3.15B |
| Q4 2022 | $3.77B | $3.39B |
| Q1 2023 | $3.93B | $3.56B |
| Q2 2023 | $3.85B | $3.47B |
| Q3 2023 | $3.74B | $3.3B |
| Q4 2023 | $3.86B | $3.43B |
| Q1 2024 | $3.95B | $3.4B |
| Q2 2024 | $4.19B | $3.53B |
| Q3 2024 | $3.95B | $3.24B |
| Q4 2024 | $3.82B | $3.33B |
| Q1 2025 | $3.97B | $3.15B |
| Q2 2025 | $4.19B | $3.21B |
| Q3 2025 | $4.14B | $3.19B |
| Q4 2025 | $4.31B | $3.2B |
| Q1 2026 | $4.38B | $3.46B |
| Q2 2026 | $4.49B | $3.44B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $180M |
| Investor CRE | $184M |
| Multifamily | $193K |
| Construction | $60.6M |
| 1–4 family | $452M |
| C&I | $157M |
| Agriculture | $14.8M |
| Other | $384M |
FFIEC UBPR comparison
How this bank compares
Branches & markets
Physical footprint
- Domestic offices
- 30 branches
- Headquarters
- Lake City, FL
FDIC
OFFDOMfiled 2026-07-27Open the Florida dashboard →History
Institution established
Filings
Q2 2026 Call Report
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data