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First Federal Savings and Loan Association of Valdosta

$100M-$1B Specialty: Mortgage GA FDIC cert 29164

Designations: ✓ Mutual

Valdosta, GA

4 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
  • Deposits +7.8% year over year ($208.5M on the books).
  • Delinquency rate 1.80%.
  • Return on assets 0.83%.
  • Efficiency ratio 73.17% vs a 64.48% peer average.
  • Loan-to-deposit ratio 116.67% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

First Federal Savings and Loan Association of Valdosta has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 38.72% above tier average
  • - Non-Interest-Bearing Deposit Share 12.93% below tier average
  • - ROA 0.49% below tier average
  • - Efficiency Ratio 8.69% above tier average
  • - Delinquency Rate 0.88% above tier average
Get updates when First Federal Savings and Loan Association of Valdosta releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $278.5M
+10.5% YoY +0.3% QoQ
-$108.1M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
42%
Total Loans ? $243.3M
+10.3% YoY +1.4% QoQ
-$15.0M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
57%
Total Deposits ? $208.5M
+7.8% YoY +0.6% QoQ
-$118.2M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
36%
Return on Assets ? 0.83%
+1.7% YoY -1.2% QoQ
-0.49% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
25%
Net Interest Margin ? 4.17%
-3.6% YoY +0.8% QoQ
+0.18% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
64%
Efficiency Ratio ? 73.17%
-1.7% YoY +0.6% QoQ
+8.69% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
23%
Delinquency Rate ? 1.80%
+147.0% YoY +32.8% QoQ
+0.88% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
Bottom 14.6% in tier
Loan-to-Deposit Ratio ? 116.67%
+2.4% YoY +0.8% QoQ
+38.72% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
Bottom 1.6% in tier
Non-Interest-Bearing Deposit Share ? 9.10%
-15.2% YoY -6.1% QoQ
-12.93% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
Bottom 8.9% in tier
Nonperforming Asset Ratio ? 1.57%
+146.6% YoY +34.2% QoQ
+0.91% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
Bottom 11.3% in tier
Tier 1 Capital Ratio ? 12.26%
-4.5% YoY +0.8% QoQ
-3.65% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
39%
Non-Interest Income / Assets ? 0.17%
+0.9% YoY +96.0% QoQ
-0.40% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
41%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 9.1%
-1.6pp YoY
-0.6pp QoQ
 -13.1pp 22.1% 26.2% 22.2% 8%
Brokered Deposits n/a n/a 7.9% 7.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I n/a n/a 11.6% 9.7% 12.5% n/a
CRE 15.5%
+0.3pp YoY
-0.6pp QoQ
 -24.0pp 39.5% 48.9% 41.4% 11%
1-4 Family 81.8%
+0.2pp YoY
+0.8pp QoQ
 +49.2pp 32.6% 31.7% 31.3% 97%
Consumer 3.0%
-0.5pp YoY
-0.2pp QoQ
 -1.1pp 4.1% 4.8% 5.0% 60%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.9% 19.7% n/a
Leverage Ratio 12.3%
-0.6pp YoY
+0.1pp QoQ
 +0.1pp 12.2% 14.0% 12.6% 67%
Total Capital Ratio n/a n/a 19.9% 22.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 43
-1 (-2.3%) YoY
+1 (+2.4%) QoQ
 -16 58 98 482 45%
Assets per Employee ($) $6.5M
+13.1% YoY
-2.0% QoQ
 -$1.0M $7.5M $7.5M $8.8M 42%
Branch Count 4
0 YoY
0 QoQ
 -1 4 6 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 1.8%
+1.1pp YoY
+0.4pp QoQ
 +0.9pp 0.9% 0.8% 1.0% 85%
Allowance Coverage 0.23x
-61.4% YoY
-22.5% QoQ
 -23.92x 24.15x 38.10x 20.23x 2%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 51%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 6.9%
+0.5pp YoY
-0.1pp QoQ
 -5.3pp 12.2% 13.6% 11.6% 20%
Cost of Funds (YTD) 2.3%
+0.2pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.6% 1.7% 84%
Net Income ($, YTD) $1.2M
+11.2% YoY
— QoQ
 -$1.4M $2.6M $6.6M $40.4M 32%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2601
Loan-to-Deposit Ratio
liquidity
Value: 116.67%
Peer Median: 77.95%
#2601 of 2643 Bottom 1.6% in $100M-$1B
2408
Non-Interest-Bearing Deposit Share
funding
Value: 9.10%
Peer Median: 22.03%
#2408 of 2643 Bottom 8.9% in $100M-$1B
2346
Nonperforming Asset Ratio
credit_quality
Value: 1.57%
Peer Median: 0.67%
#2346 of 2643 Bottom 11.3% in $100M-$1B
2249
Delinquency Rate
credit_quality
Value: 1.80%
Peer Median: 0.92%
#2249 of 2633 Bottom 14.6% in $100M-$1B
2026
Efficiency Ratio
profitability
Value: 73.17%
Peer Median: 64.48%
#2026 of 2643 Bottom 23.4% in $100M-$1B
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