BlastPoint's Banking Scorecard
First Federal Savings and Loan Association of Valdosta
Micro
Specialty: Mortgage
GA
FDIC cert 29164
Designations: ✓ Community bank ✓ Mutual
Valdosta, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
First Federal Savings and Loan Association of Valdosta faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 46.96% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$271.9M
+9.2% YoY
+4.7% QoQ
|
+$54.4M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$237.5M
+13.5% YoY
+3.4% QoQ
|
+$98.4M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$195.5M
+3.3% YoY
+3.1% QoQ
|
+$11.9M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
0.46%
+13.9% YoY
-42.7% QoQ
|
-0.62% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
4.22%
-3.2% YoY
-1.3% QoQ
|
+0.36% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
85.11%
-1.9% YoY
+13.9% QoQ
|
+17.39% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
1.65%
+12.5% YoY
+32.2% QoQ
|
+1.01% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
121.49%
+9.8% YoY
+0.3% QoQ
|
+46.96% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.30%
-12.4% YoY
-5.2% QoQ
|
-12.09% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
1.44%
+16.9% YoY
+27.5% QoQ
|
+0.99% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.33%
+7.6% YoY
+30.0% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
121.49%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Total Loans
Current: $237.5M · Tier avg: $139.2M
69
69th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.85%
66
66th pctile
Total Assets
Current: $271.9M · Tier avg: $217.5M
58
58th pctile
Total Deposits
Current: $195.5M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
17
17th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.08%
17
17th pctile
Delinquency Rate
Current: 1.65% · Tier avg: 0.64%
13
13th pctile
Efficiency Ratio
Current: 85.11% · Tier avg: 67.73%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.30% · Tier avg: 22.39%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.44% · Tier avg: 0.45%
1
1th pctile
Loan-to-Deposit Ratio
Current: 121.49% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 121.49% · Tier avg: 74.53%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.44% · Tier avg: 0.45%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.30% · Tier avg: 22.39%
13
13th pctile
Efficiency Ratio
Current: 85.11% · Tier avg: 67.73%
17
17th pctile
Delinquency Rate
Current: 1.65% · Tier avg: 0.64%
17
17th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.08%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Total Deposits
Current: $195.5M · Tier avg: $183.7M
66
66th pctile
Total Assets
Current: $271.9M · Tier avg: $217.5M
69
69th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.85%
83
83th pctile
Total Loans
Current: $237.5M · Tier avg: $139.2M