First Federal Bank (FDIC #31077): Bank Stress & Real-Estate Credit Exposure

First Federal Bank (FDIC Cert #31077): bank stress 95/100, severe, STABLE over 7 days; parent FIRST FEDERAL FINANCIAL CORP.

First Federal Bank (#31077) lends in 3 counties across 1 state; First Federal Bank (#31077) reaches 67 ZIP codes: North Carolina 3 counties, 67 ZIPs.

First Federal Bank (#31077) largest markets: Wake County, NC (41 branches, 41 ZIPs) (#31077), Johnston County, NC (44 branches, 22 ZIPs) (#31077), Harnett County, NC (72 branches, 18 ZIPs) (#31077).

First Federal Bank (#31077) reports $275.6 million in total assets; First Federal Bank (#31077) equity $18.7 million (6.8% of First Federal Bank (#31077) assets); First Federal Bank (#31077) domestic deposits $250.5 million; First Federal Bank (#31077) net income $396,000; First Federal Bank (#31077) return on assets 0.29%; First Federal Bank (#31077) return on equity 4.33%; First Federal Bank (#31077) net interest income $4.3 million; First Federal Bank (#31077) call report June 30, 2026.

First Federal Bank (#31077) noncurrent real-estate loans: none reported; First Federal Bank (#31077) net charge-offs on real estate 0.31%.

First Federal Bank (#31077) net interest margin 3.26% against an eight-quarter First Federal Bank (#31077) average of 3.07% (First Federal Bank (#31077) compression -0.19 points); First Federal Bank (#31077) rate-exposure score 40/100, First Federal Bank (#31077) fixed-rate trap 40/100; First Federal Bank (#31077) risk type credit driven; First Federal Bank (#31077) rate regime rates elevated, First Federal Bank (#31077) snapshot October 19, 2026.

First Federal Bank (#31077) stress score moved from 96.3 on June 22, 2026 to 95.4 on October 20, 2026; First Federal Bank (#31077) ranged 95.4 to 96.3 over 117 snapshots.

First Federal Bank (#31077) alerts: 3 counties; top First Federal Bank (#31077) alert scores: Clayton County, NC 30 (low); Erwin County, NC 30 (low); Fuquay Varina County, NC 30 (low).