First Federal Bank (FDIC #31313): Bank Stress & Real-Estate Credit Exposure
First Federal Bank (FDIC Cert #31313): bank stress 65/100, elevated, STABLE over 7 days; parent FIRST FEDERAL BCORP MHC.
First Federal Bank (#31313) lends in 15 counties across 2 states; First Federal Bank (#31313) reaches 175 ZIP codes: Florida 14 counties, 159 ZIPs; South Carolina 1 county, 16 ZIPs.
First Federal Bank (#31313) largest markets: Duval County, FL (38 branches, 38 ZIPs) (#31313), Marion County, FL (102 branches, 34 ZIPs) (#31313), Alachua County, FL (48 branches, 24 ZIPs) (#31313), Beaufort County, SC (32 branches, 16 ZIPs) (#31313), Bay County, FL (16 branches, 16 ZIPs) (#31313), Jackson County, FL (42 branches, 14 ZIPs) (#31313).
First Federal Bank (#31313) reports $4.49 billion in total assets; First Federal Bank (#31313) equity $465.8 million (10.4% of First Federal Bank (#31313) assets); First Federal Bank (#31313) domestic deposits $3.44 billion; First Federal Bank (#31313) net income $26.2 million; First Federal Bank (#31313) return on assets 1.19%; First Federal Bank (#31313) return on equity 11.61%; First Federal Bank (#31313) net interest income $64.9 million; First Federal Bank (#31313) call report June 30, 2026.
First Federal Bank (#31313) noncurrent real-estate loans: none reported; First Federal Bank (#31313) residential -0.01%; First Federal Bank (#31313) net charge-offs on real estate 4.20%; First Federal Bank (#31313) multifamily charge-offs 74.09%; First Federal Bank (#31313) residential charge-offs 0.21%.
First Federal Bank (#31313) net interest margin 3.32% against an eight-quarter First Federal Bank (#31313) average of 3.21% (First Federal Bank (#31313) compression -0.11 points); First Federal Bank (#31313) real-estate loans 0.1% of equity; First Federal Bank (#31313) non-residential real estate 20.6% of equity; First Federal Bank (#31313) rate-exposure score 40/100, First Federal Bank (#31313) fixed-rate trap 40/100; First Federal Bank (#31313) risk type credit driven; First Federal Bank (#31313) rate regime rates elevated, First Federal Bank (#31313) snapshot October 20, 2026.
First Federal Bank (#31313) stress score moved from 64.2 on June 22, 2026 to 65.3 on October 20, 2026; First Federal Bank (#31313) ranged 64.2 to 65.3 over 117 snapshots.
First Federal Bank (#31313) alerts: 15 counties; top First Federal Bank (#31313) alert scores: Bonifay County, FL 21 (low); Chipley County, FL 21 (low); Gainesville County, FL 21 (low); Jacksonville County, FL 21 (low); Jasper County, FL 21 (low).