First Federal Bank (FDIC #29782): Bank Stress & Real-Estate Credit Exposure

First Federal Bank (FDIC Cert #29782): bank stress 57/100, moderate, STABLE over 7 days; parent SOUTHEASTERN BCORP INC.

First Federal Bank (#29782) lends in 5 counties across 1 state; First Federal Bank (#29782) reaches 49 ZIP codes: Tennessee 5 counties, 49 ZIPs.

First Federal Bank (#29782) largest markets: Williamson County, TN (16 branches, 16 ZIPs) (#29782), Montgomery County, TN (75 branches, 15 ZIPs) (#29782), Hickman County, TN (13 branches, 13 ZIPs) (#29782), Dickson County, TN (77 branches, 11 ZIPs) (#29782), Humphreys County, TN (12 branches, 4 ZIPs) (#29782).

First Federal Bank (#29782) reports $1.11 billion in total assets; First Federal Bank (#29782) equity $115.9 million (10.4% of First Federal Bank (#29782) assets); First Federal Bank (#29782) domestic deposits $978.6 million; First Federal Bank (#29782) net income $8.8 million; First Federal Bank (#29782) return on assets 1.61%; First Federal Bank (#29782) return on equity 15.38%; First Federal Bank (#29782) net interest income $17.2 million; First Federal Bank (#29782) call report June 30, 2026.

First Federal Bank (#29782) noncurrent real-estate loans 0.03% of its book; First Federal Bank (#29782) net charge-offs on real estate 0.58%.

First Federal Bank (#29782) net interest margin 3.31% against an eight-quarter First Federal Bank (#29782) average of 3.35% (First Federal Bank (#29782) compression 0.04 points); First Federal Bank (#29782) real-estate loans 3.2% of equity; First Federal Bank (#29782) rate-exposure score 40/100, First Federal Bank (#29782) fixed-rate trap 40/100; First Federal Bank (#29782) risk type credit driven; First Federal Bank (#29782) rate regime rates elevated, First Federal Bank (#29782) snapshot October 19, 2026.

First Federal Bank (#29782) stress score moved from 57.8 on June 22, 2026 to 56.9 on October 19, 2026; First Federal Bank (#29782) ranged 56.9 to 57.8 over 116 snapshots.

First Federal Bank (#29782) alerts: 5 counties; top First Federal Bank (#29782) alert scores: Centerville County, TN 20 (low); Clarksville County, TN 20 (low); Fairview County, TN 20 (low); Waverly County, TN 20 (low); White Bluff County, TN 20 (low).