BlastPoint's Banking Scorecard
First Federal Community Bank, SSB
Designations: ✓ Mutual
Paris, TX
4 branches across TX
First Federal Community Bank, SSB faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 29.9% in tier
- - Non-Interest-Bearing Deposit Share 13.53% below tier average
- - ROA 0.41% below tier average
- - Net Interest Margin 0.19% below tier average
- - Efficiency Ratio 7.35% above tier average
- - Delinquency Rate 0.55% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$616.2M
+4.8% YoY
+1.3% QoQ
|
+$230.1M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
82% |
| Total Loans ? |
$464.5M
-0.1% YoY
-2.0% QoQ
|
+$208.8M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Top 14.2% in tier |
| Total Deposits ? |
$534.3M
+4.1% YoY
+1.6% QoQ
|
+$206.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
83% |
| Return on Assets ? |
0.86%
+4.5% YoY
-13.3% QoQ
|
-0.41% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
29% |
| Net Interest Margin ? |
3.74%
+4.1% YoY
-2.1% QoQ
|
-0.19% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
43% |
| Efficiency Ratio ? |
72.64%
+0.7% YoY
+6.6% QoQ
|
+7.35% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
1.43%
+196.8% YoY
+177.7% QoQ
|
+0.55% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
86.94%
-4.1% YoY
-3.5% QoQ
|
+10.30% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
8.49%
-11.0% YoY
-8.5% QoQ
|
-13.53% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 8.0% in tier |
| Nonperforming Asset Ratio ? |
1.12%
+192.5% YoY
+154.0% QoQ
|
+0.48% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
19.02%
+10.2% YoY
+5.7% QoQ
|
+3.19% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.13%
+3.4% YoY
-74.6% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
67% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.