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First Federal Bank
Lake City, FL·FDIC Cert #31313·Charter: OCC·Est. 19610101.0·HC: FIRST FEDERAL BCORP MHC
Total Assets
$4.3B
Q4 2025
Return on Assets
0.58%
-0.49%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
68.95%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.58%-0.49
ROE
5.86%-5.03
Efficiency
68.95%+1.58
Equity/Assets
0.00%+0.00
NPL Ratio
3.21%-0.95
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
42.78%+1.72
Charge-offs
0.08%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.9 | 1.0 | 1.0 | 1.1 | 1.0 | 1.1 | 0.6 |
| ROE | 8.8 | 11.3 | 11.7 | 11.3 | 11.1 | 10.7 | 10.9 | 5.9 |
| Efficiency | 77.5 | 71.9 | 69.9 | 71.0 | 67.7 | 68.4 | 67.4 | 69.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 3.3 | 3.3 | 3.5 | 3.7 | 3.8 | 3.0 | 4.2 | 3.2 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 37.4 | 38.7 | 39.4 | 37.4 | 39.4 | 42.4 | 41.1 | 42.8 |
Balance Sheet
Total Assets$4.3B
Total Deposits$3.2B
Total Loans$1.4B
Total Equity$445.5M
Profitability
ROA0.58%
ROE5.86%
Efficiency Ratio68.95%
Net Income$23.7M
Risk & Asset Quality
NPL Ratio3.21%
Charge-off Rate0.08%
Loan/Deposit42.78%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans