BlastPoint's Banking Scorecard
First Federal Savings and Loan Association of Valdosta
Designations: ✓ Mutual
Valdosta, GA
4 branches across GA
First Federal Savings and Loan Association of Valdosta has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.21% above tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 32.3% in tier
- - Loan-to-Deposit Ratio 39.14% above tier average
- - ROA 0.42% below tier average
- - Efficiency Ratio 7.46% above tier average
- - Delinquency Rate 0.47% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$277.6M
+8.2% YoY
+2.1% QoQ
|
-$108.5M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
42% |
| Total Loans ? |
$240.0M
+11.6% YoY
+1.0% QoQ
|
-$15.8M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$207.3M
+4.3% YoY
+6.0% QoQ
|
-$120.7M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
0.84%
+2.6% YoY
+83.7% QoQ
|
-0.42% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
28% |
| Net Interest Margin ? |
4.14%
-4.7% YoY
-1.9% QoQ
|
+0.21% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
72.75%
-2.3% YoY
-14.5% QoQ
|
+7.46% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
1.36%
+354.7% YoY
-17.8% QoQ
|
+0.47% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
115.78%
+6.9% YoY
-4.7% QoQ
|
+39.14% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 1.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.69%
-22.9% YoY
-5.9% QoQ
|
-12.33% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 10.1% in tier |
| Nonperforming Asset Ratio ? |
1.17%
+232.2% YoY
-18.7% QoQ
|
+0.54% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
12.17%
-3.5% YoY
-0.8% QoQ
|
-3.67% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.09%
+11.2% YoY
-73.9% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
44% |
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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)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.