First Federal Cmty Bank SSB (FDIC #27678): Bank Stress & Real-Estate Credit Exposure
First Federal Cmty Bank SSB (FDIC Cert #27678): bank stress 60/100, elevated, STABLE over 7 days; parent FIRST FEDERAL COMMUNITY MHC.
First Federal Cmty Bank SSB (#27678) lends in 3 counties across 1 state; First Federal Cmty Bank SSB (#27678) reaches 26 ZIP codes: Texas 3 counties, 26 ZIPs.
First Federal Cmty Bank SSB (#27678) largest markets: Lamar County, TX (28 branches, 14 ZIPs) (#27678), Red River County, TX (9 branches, 9 ZIPs) (#27678), Titus County, TX (6 branches, 6 ZIPs) (#27678).
First Federal Cmty Bank SSB (#27678) reports $603.6 million in total assets; First Federal Cmty Bank SSB (#27678) equity $78.3 million (13.0% of First Federal Cmty Bank SSB (#27678) assets); First Federal Cmty Bank SSB (#27678) domestic deposits $520.4 million; First Federal Cmty Bank SSB (#27678) net income $3.1 million; First Federal Cmty Bank SSB (#27678) return on assets 1.03%; First Federal Cmty Bank SSB (#27678) return on equity 8.16%; First Federal Cmty Bank SSB (#27678) net interest income $11.1 million; First Federal Cmty Bank SSB (#27678) call report June 30, 2026.
First Federal Cmty Bank SSB (#27678) noncurrent real-estate loans: none reported; First Federal Cmty Bank SSB (#27678) residential -0.04%; First Federal Cmty Bank SSB (#27678) net charge-offs on real estate 0.54%; First Federal Cmty Bank SSB (#27678) multifamily charge-offs 5.05%; First Federal Cmty Bank SSB (#27678) residential charge-offs 0.44%.
First Federal Cmty Bank SSB (#27678) net interest margin 3.91% against an eight-quarter First Federal Cmty Bank SSB (#27678) average of 3.70% (First Federal Cmty Bank SSB (#27678) compression -0.21 points); First Federal Cmty Bank SSB (#27678) non-residential real estate 44.1% of equity; First Federal Cmty Bank SSB (#27678) rate-exposure score 40/100, First Federal Cmty Bank SSB (#27678) fixed-rate trap 40/100; First Federal Cmty Bank SSB (#27678) risk type credit driven; First Federal Cmty Bank SSB (#27678) rate regime rates elevated, First Federal Cmty Bank SSB (#27678) snapshot October 19, 2026.
First Federal Cmty Bank SSB (#27678) stress score moved from 63.3 on June 21, 2026 to 59.5 on October 19, 2026; First Federal Cmty Bank SSB (#27678) ranged 59.5 to 63.3 over 117 snapshots.
First Federal Cmty Bank SSB (#27678) alerts: 3 counties; top First Federal Cmty Bank SSB (#27678) alert scores: Clarksville County, TX 19 (low); Mount Pleasant County, TX 19 (low); Paris County, TX 19 (low).