BlastPoint's Banking Scorecard
First Federal Bank
Dunn, NC
7 branches across NC
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 17 in NC.
- Deposits +3.9% year over year ($250.5M on the books).
- Delinquency rate 0.48%.
- Return on assets 0.29%.
- Efficiency ratio 85.36% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.20% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Federal Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.44% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 44.9% in tier
- - Return on Assets 1.03% below tier average
- - Net Interest Margin 0.72% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$275.6M
+4.9% YoY
+1.3% QoQ
|
-$111.0M |
$386.6M
+1.2% YoY
|
$92.1B
+0.4% YoY
|
$6.3B
+7.7% YoY
|
41% |
| Total Loans ? |
$200.9M
+6.9% YoY
+0.7% QoQ
|
-$57.4M |
$258.3M
+1.7% YoY
|
$45.3B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
48% |
| Total Deposits ? |
$250.5M
+3.9% YoY
+1.1% QoQ
|
-$76.2M |
$326.7M
+0.7% YoY
|
$72.9B
+1.1% YoY
|
$4.9B
+7.3% YoY
|
45% |
| Return on Assets ? |
0.29%
+34.5% YoY
+52.8% QoQ
|
-1.03% |
1.32%
+10.8% YoY
|
1.06%
+26.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 7.2% in tier |
| Net Interest Margin ? |
3.26%
+6.4% YoY
+0.9% QoQ
|
-0.72% |
3.99%
+5.0% YoY
|
3.48%
+5.1% YoY
|
3.95%
+4.9% YoY
|
18% |
| Efficiency Ratio ? |
85.36%
-5.8% YoY
-0.5% QoQ
|
+20.89% |
64.48%
-3.2% YoY
|
69.25%
-8.2% YoY
|
70.05%
+2.5% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate ? |
0.48%
-45.2% YoY
-10.2% QoQ
|
-0.44% |
0.92%
+15.7% YoY
|
0.62%
+17.0% YoY
|
0.98%
+16.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
80.20%
+2.9% YoY
-0.3% QoQ
|
+2.24% |
77.95%
+1.0% YoY
|
80.66%
+1.6% YoY
|
79.03%
+2.3% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
22.37%
-10.0% YoY
-2.9% QoQ
|
+0.34% |
22.03%
-0.6% YoY
|
18.90%
+1.9% YoY
|
21.98%
-0.6% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.35%
-44.1% YoY
-10.7% QoQ
|
-0.32% |
0.67%
+16.4% YoY
|
0.44%
+14.6% YoY
|
0.69%
+15.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
15.47%
-2.8% YoY
+0.8% QoQ
|
-0.44% |
15.91%
+1.4% YoY
|
20.01%
+3.4% YoY
|
17.09%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.19%
+0.4% YoY
+105.8% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.43%
+2.6% YoY
|
0.66%
+5.2% YoY
|
46% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.4%
-2.5pp YoY -0.7pp QoQ |
+0.2pp | 22.1% | 21.8% | 22.2% | 56% |
| Brokered Deposits |
0.8%
0.0pp QoQ |
-7.1pp | 7.9% | 7.7% | 8.5% | 16% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.7%
-0.7pp YoY -0.1pp QoQ |
-7.8pp | 11.6% | 10.5% | 12.5% | 13% |
| CRE |
33.1%
+2.2pp YoY -0.5pp QoQ |
-6.4pp | 39.5% | 46.3% | 41.4% | 40% |
| 1-4 Family |
62.6%
-1.7pp YoY +0.7pp QoQ |
+30.0pp | 32.6% | 44.2% | 31.3% | 91% |
| Consumer |
1.1%
-0.2pp YoY -0.1pp QoQ |
-3.0pp | 4.1% | 1.6% | 5.0% | 32% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.5%
-0.4pp YoY +0.1pp QoQ |
-3.4pp | 18.8% | 22.8% | 19.7% | 54% |
| Leverage Ratio |
9.2%
0.0pp YoY +0.1pp QoQ |
-2.9pp | 12.2% | 14.4% | 12.6% | 16% |
| Total Capital Ratio |
16.6%
-0.6pp YoY +0.1pp QoQ |
-3.3pp | 19.9% | 23.8% | 20.8% | 53% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
56
+3 (+5.7%) YoY +3 (+5.7%) QoQ |
-3 | 58 | 5,103 | 482 | 60% |
| Assets per Employee ($) |
$4.9M
-0.7% YoY -4.1% QoQ |
-$2.6M | $7.5M | $9.4M | $8.8M | 14% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 170 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.4pp YoY -0.1pp QoQ |
-0.5pp | 0.9% | 0.7% | 1.0% | 52% |
| Allowance Coverage |
1.76x
+41.3% YoY +10.7% QoQ |
-22.39x | 24.15x | 3.36x | 20.23x | 43% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 22% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.3%
+0.9pp YoY +1.5pp QoQ |
-7.9pp | 12.2% | 8.7% | 11.6% | 12% |
| Cost of Funds (YTD) |
1.5%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.8% | 1.7% | 38% |
| Net Income ($, YTD) |
$396,000
+41.4% YoY — QoQ |
-$2.2M | $2.6M | $518.0M | $40.4M | 8% |
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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)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.