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First Federal Savings and Loan Association

$100M-$1B Specialty: Mortgage MS FDIC cert 30812

Designations: ✓ Mutual

Pascagoula, MS

6 branches across MS

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 39 in MS.
  • Deposits +11.7% year over year ($276.2M on the books).
  • Delinquency rate 0.16%.
  • Return on assets 0.42%.
  • Efficiency ratio 80.16% vs a 64.48% peer average.
  • Loan-to-deposit ratio 111.08% 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 39 in MS
View $100M-$1B leaderboard (MS) →

First Federal Savings and Loan Association has 1 strength but faces 7 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

  • + Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 7.0% in tier
  • - Capital Thin: Bottom 9.7% in tier
  • - Credit Quality Pressure: Bottom 15.0% in tier
  • - Liquidity Strain: Bottom 37.6% in tier
  • - Efficiency Drag: Bottom 41.8% in tier
  • - Net Interest Margin 1.35% below tier average
  • - ROA 0.90% below tier average
Get updates when First Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $381.4M
+0.2% YoY +1.0% QoQ
-$5.1M $386.6M
+1.2% YoY
$2.3B
+4.7% YoY
$6.3B
+7.7% YoY
58%
Total Loans ? $306.7M
-2.9% YoY -0.2% QoQ
+$48.4M $258.3M
+1.7% YoY
$1.6B
+6.5% YoY
$3.2B
+9.4% YoY
68%
Total Deposits ? $276.2M
+11.7% YoY +1.9% QoQ
-$50.6M $326.7M
+0.7% YoY
$1.9B
+4.9% YoY
$4.9B
+7.3% YoY
50%
Return on Assets ? 0.42%
+113.1% YoY -2.8% QoQ
-0.90% 1.32%
+10.8% YoY
1.27%
+12.8% YoY
1.30%
+12.1% YoY
Bottom 10.2% in tier
Net Interest Margin ? 2.63%
+14.1% YoY +1.2% QoQ
-1.35% 3.99%
+5.0% YoY
4.02%
+5.6% YoY
3.95%
+4.9% YoY
Bottom 4.0% in tier
Efficiency Ratio ? 80.16%
-11.7% YoY +2.0% QoQ
+15.68% 64.48%
-3.2% YoY
65.83%
-2.8% YoY
70.05%
+2.5% YoY
Bottom 13.6% in tier
Delinquency Rate ? 0.16%
+77.6% YoY +29.4% QoQ
-0.76% 0.92%
+15.7% YoY
1.03%
+6.0% YoY
0.98%
+16.3% YoY
69%
Loan-to-Deposit Ratio ? 111.08%
-13.1% YoY -2.1% QoQ
+33.12% 77.95%
+1.0% YoY
72.48%
+3.6% YoY
79.03%
+2.3% YoY
Bottom 2.6% in tier
Non-Interest-Bearing Deposit Share ? 10.82%
-2.3% YoY +20.2% QoQ
-11.21% 22.03%
-0.6% YoY
22.74%
-2.6% YoY
21.98%
-0.6% YoY
Bottom 12.3% in tier
Nonperforming Asset Ratio ? 0.33%
+0.4% YoY +5.9% QoQ
-0.34% 0.67%
+16.4% YoY
0.80%
+11.3% YoY
0.69%
+15.8% YoY
49%
Tier 1 Capital Ratio ? 9.72%
-48.0% YoY -50.2% QoQ
-6.19% 15.91%
+1.4% YoY
13.77%
-2.2% YoY
17.09%
+0.8% YoY
Bottom 7.2% in tier
Non-Interest Income / Assets ? 0.12%
+2.2% YoY +114.7% QoQ
-0.44% 0.57%
+7.6% YoY
0.38%
+2.4% YoY
0.66%
+5.2% YoY
26%

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 (MS) National Avg Tier Percentile
Noninterest-Bearing 10.8%
-0.2pp YoY
+1.8pp QoQ
 -11.3pp 22.1% 23.1% 22.2% 12%
Brokered Deposits 1.1%
0.0pp YoY
-0.2pp QoQ
 -6.8pp 7.9% 3.8% 8.5% 20%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
C&I n/a n/a 11.6% 12.4% 12.5% n/a
CRE n/a n/a 39.5% 42.3% 41.4% n/a
1-4 Family 97.2%
+1.4pp YoY
+1.0pp QoQ
 +64.6pp 32.6% 33.1% 31.3% 99%
Consumer 0.6%
-0.2pp YoY
-0.1pp QoQ
 -3.6pp 4.1% 5.6% 5.0% 17%

Capital

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 9.7%
+0.4pp YoY
+0.2pp QoQ
 -2.5pp 12.2% 11.9% 12.6% 25%
Total Capital Ratio n/a n/a 19.9% 17.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Full-Time Employees 51
-1 (-1.9%) YoY
+1 (+2.0%) QoQ
 -8 58 297 482 54%
Assets per Employee ($) $7.5M
+2.2% YoY
-1.0% QoQ
 -$39K $7.5M $6.2M $8.8M 60%
Branch Count 6
0 YoY
0 QoQ
 +1 4 22 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.2%
+0.1pp YoY
+0.1pp QoQ
 -0.8pp 0.9% 0.9% 1.0% 26%
Allowance Coverage 2.62x
-41.9% YoY
-22.5% QoQ
 -21.53x 24.15x 4.87x 20.23x 55%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 33%

Profitability

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
ROE 4.5%
+2.3pp YoY
-0.1pp QoQ
 -7.7pp 12.2% 11.7% 11.6% 12%
Cost of Funds (YTD) 2.6%
-0.2pp YoY
-0.1pp QoQ
 +0.9pp 1.7% 1.8% 1.7% 93%
Net Income ($, YTD) $797,000
+113.1% YoY
— QoQ
 -$1.8M $2.6M $13.8M $40.4M 20%

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 (5)

Flatlined Growth

risk
#38 of 529 • Bottom 7.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.42%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Capital Thin

risk
#65 of 661 • Bottom 9.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.72%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Credit Quality Pressure

risk
#190 of 1256 • Bottom 15.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.16%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Liquidity Strain

risk
#261 of 691 • Bottom 37.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 111.08%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Efficiency Drag

risk
#152 of 361 • Bottom 41.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 80.16%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ

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 (6 metrics)

2576
Loan-to-Deposit Ratio
liquidity
Value: 111.08%
Peer Median: 77.95%
#2576 of 2643 Bottom 2.6% in $100M-$1B
2538
Net Interest Margin
profitability
Value: 2.63%
Peer Median: 3.99%
#2538 of 2643 Bottom 4.0% in $100M-$1B
2454
Tier 1 Capital Ratio
capital
Value: 9.72%
Peer Median: 15.91%
#2454 of 2643 Bottom 7.2% in $100M-$1B
2374
Return on Assets
profitability
Value: 0.42%
Peer Median: 1.32%
#2374 of 2643 Bottom 10.2% in $100M-$1B
2319
Non-Interest-Bearing Deposit Share
funding
Value: 10.82%
Peer Median: 22.03%
#2319 of 2643 Bottom 12.3% in $100M-$1B
2285
Efficiency Ratio
profitability
Value: 80.16%
Peer Median: 64.48%
#2285 of 2643 Bottom 13.6% in $100M-$1B
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