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First Federal Bank

$100M-$1B Specialty: Commercial NC FDIC cert 31077

Dunn, NC

7 branches across NC

2664 banks in the $100M-$1B peer group nationally 17 in NC
View $100M-$1B leaderboard (NC) →

First Federal Bank has 1 strength but faces 3 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 0.35% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 33.3% in tier
  • - Return on Assets 1.08% below tier average
  • - Net Interest Margin 0.70% below tier average
Get updates when First Federal Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Total Assets ? $272.1M
+3.6% YoY +0.1% QoQ
-$114.0M $386.1M
+0.5% YoY
$92.4B
+2.4% YoY
$6.2B
+9.1% YoY
41%
Total Loans ? $199.4M
+7.8% YoY +1.9% QoQ
-$56.3M $255.7M
+1.1% YoY
$45.0B
+8.2% YoY
$3.2B
+10.8% YoY
48%
Total Deposits ? $247.9M
+3.3% YoY +0.2% QoQ
-$80.1M $328.0M
+0.1% YoY
$72.8B
+2.6% YoY
$4.8B
+8.2% YoY
44%
Return on Assets ? 0.19%
-0.4% YoY -36.0% QoQ
-1.08% 1.27%
+12.9% YoY
0.99%
+29.5% YoY
1.23%
+13.4% YoY
Bottom 6.3% in tier
Net Interest Margin ? 3.24%
+8.8% YoY +1.5% QoQ
-0.70% 3.93%
+6.0% YoY
3.42%
+5.0% YoY
3.89%
+5.7% YoY
19%
Efficiency Ratio ? 85.78%
-6.6% YoY -2.4% QoQ
+20.50% 65.29%
-4.5% YoY
69.88%
-8.6% YoY
66.95%
-4.1% YoY
Bottom 9.6% in tier
Delinquency Rate ? 0.53%
-37.3% YoY -5.7% QoQ
-0.35% 0.89%
+18.8% YoY
0.64%
+21.6% YoY
0.95%
+18.8% YoY
43%
Loan-to-Deposit Ratio ? 80.47%
+4.4% YoY +1.7% QoQ
+3.83% 76.64%
+0.8% YoY
79.67%
+1.0% YoY
76.70%
+0.9% YoY
45%
Non-Interest-Bearing Deposit Share ? 23.03%
-5.0% YoY -6.8% QoQ
+1.01% 22.02%
-1.0% YoY
18.50%
+0.3% YoY
22.01%
-1.2% YoY
59%
Nonperforming Asset Ratio ? 0.39%
-34.8% YoY -4.0% QoQ
-0.25% 0.64%
+19.7% YoY
0.45%
+20.5% YoY
0.67%
+19.3% YoY
44%
Tier 1 Capital Ratio ? 15.34%
-4.1% YoY -1.9% QoQ
-0.49% 15.83%
+1.5% YoY
20.13%
+3.0% YoY
17.06%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.09%
-1.5% YoY -75.0% QoQ
-0.19% 0.28%
+9.3% YoY
0.21%
+7.3% YoY
0.32%
+4.1% YoY
46%

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 (1)

Efficiency Drag

risk
#139 of 414 • Bottom 33.3% in tier

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

Why this signature
Efficiency Ratio: 85.78%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2497
Return on Assets
profitability
Value: 0.19%
Peer Median: 1.27%
#2497 of 2664 Bottom 6.3% in $100M-$1B
2409
Efficiency Ratio
profitability
Value: 85.78%
Peer Median: 65.29%
#2409 of 2664 Bottom 9.6% in $100M-$1B
2157
Net Interest Margin
profitability
Value: 3.24%
Peer Median: 3.93%
#2157 of 2664 Bottom 19.1% in $100M-$1B
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