BlastPoint's Banking Scorecard
First Federal Bank
Community
Specialty: Other
FL
FDIC cert 31313
Lake City, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
First Federal Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 10.42% above tier
- + Non-Interest Income / Assets 0.54% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.58% above tier
- - Loan-to-Deposit Ratio 40.28% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.3B
+12.8% YoY
+4.1% QoQ
|
+$2.9B |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$1.4B
+9.9% YoY
+4.7% QoQ
|
+$395.6M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$3.2B
-3.9% YoY
+0.5% QoQ
|
+$2.0B |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
0.58%
-40.2% YoY
-45.5% QoQ
|
-0.58% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
3.14%
-2.4% YoY
-2.6% QoQ
|
-0.53% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
68.95%
-3.0% YoY
+2.3% QoQ
|
+6.32% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
3.21%
-13.5% YoY
-22.8% QoQ
|
+2.58% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
42.78%
+14.4% YoY
+4.2% QoQ
|
-40.28% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.74%
+69.0% YoY
+59.7% QoQ
|
-3.31% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
1.03%
-15.0% YoY
-21.6% QoQ
|
+0.53% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
20.66%
+2.5% YoY
-5.9% QoQ
|
+10.42% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
1.28%
-11.9% YoY
+26.3% QoQ
|
+0.54% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (2)
Tier 1 Capital Ratio
metric
Top 6%
in Community
Why this stands out
Current:
20.66%
(Tier avg: 10.24%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 9%
in Community
Why this stands out
Current:
1.28%
(Tier avg: 0.74%, National avg: 0.65%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.21%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Community
Why this stands out
Current:
42.78%
(Tier avg: 83.06%, 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
98
98th pctile
Total Assets
Current: $4.3B · Tier avg: $1.4B
96
96th pctile
Total Deposits
Current: $3.2B · Tier avg: $1.2B
94
94th pctile
Tier 1 Capital Ratio
Current: 20.66% · Tier avg: 10.24%
91
91th pctile
Non-Interest Income / Assets
Current: 1.28% · Tier avg: 0.74%
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.74% · Tier avg: 21.05%
29
29th pctile
Efficiency Ratio
Current: 68.95% · Tier avg: 62.63%
22
22th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.66%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.50%
14
14th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.16%
2
2th pctile
Loan-to-Deposit Ratio
Current: 42.78% · Tier avg: 83.06%
0
0th pctile
Delinquency Rate
Current: 3.21% · Tier avg: 0.63%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.21% · Tier avg: 0.63%
2
2th pctile
Loan-to-Deposit Ratio
Current: 42.78% · Tier avg: 83.06%
14
14th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.16%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.50%
22
22th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.66%
29
29th pctile
Efficiency Ratio
Current: 68.95% · Tier avg: 62.63%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.74% · Tier avg: 21.05%
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
91
91th pctile
Non-Interest Income / Assets
Current: 1.28% · Tier avg: 0.74%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.66% · Tier avg: 10.24%
96
96th pctile
Total Deposits
Current: $3.2B · Tier avg: $1.2B
98
98th pctile
Total Assets
Current: $4.3B · Tier avg: $1.4B