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First Federal Bank, A FSB

$100M-$1B Specialty: Mortgage AL FDIC cert 31127

Tuscaloosa, AL

3 branches across AL

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 63 in AL.
  • Deposits +0.2% year over year ($120.4M on the books).
  • Delinquency rate 0.60%.
  • Return on assets 0.74%.
  • Efficiency ratio 91.63% vs a 64.48% peer average.
  • Loan-to-deposit ratio 125.05% 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 63 in AL
View $100M-$1B leaderboard (AL) →

First Federal Bank, A FSB has 2 strengths 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

  • + Revenue Diversifier: Top 17.5% in tier
  • + Delinquency Rate 0.32% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 21.9% in tier
  • - Credit Quality Pressure: Bottom 34.2% in tier
  • - Net Interest Margin 1.25% below tier average
  • - Efficiency Ratio 27.15% above tier average
  • - Loan-to-Deposit Ratio 47.10% above tier average
  • - Non-Interest-Bearing Deposit Share 16.05% below tier average
  • - ROA 0.58% below tier average
Get updates when First Federal Bank, A FSB releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $182.6M
+0.4% YoY +2.2% QoQ
-$204.0M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
22%
Total Loans ? $150.5M
+0.4% YoY +1.3% QoQ
-$107.8M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
35%
Total Deposits ? $120.4M
+0.2% YoY +7.4% QoQ
-$206.4M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
Bottom 11.9% in tier
Return on Assets ? 0.74%
+274.1% YoY -10.8% QoQ
-0.58% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
21%
Net Interest Margin ? 2.74%
+16.7% YoY +3.1% QoQ
-1.25% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
Bottom 5.5% in tier
Efficiency Ratio ? 91.63%
-6.1% YoY +1.6% QoQ
+27.15% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
Bottom 4.8% in tier
Delinquency Rate ? 0.60%
+24.4% YoY -5.3% QoQ
-0.32% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
42%
Loan-to-Deposit Ratio ? 125.05%
+0.2% YoY -5.7% QoQ
+47.10% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 0.7% in tier
Non-Interest-Bearing Deposit Share ? 5.98%
+15.8% YoY +6.3% QoQ
-16.05% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
Bottom 4.7% in tier
Nonperforming Asset Ratio ? 0.50%
+7.8% YoY -6.1% QoQ
-0.17% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
40%
Tier 1 Capital Ratio ? 12.44%
+5.3% YoY -0.6% QoQ
-3.47% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
41%
Non-Interest Income / Assets ? 3.42%
+5.0% YoY +108.5% QoQ
+2.85% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
Top 1.1% in tier

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 (AL) National Avg Tier Percentile
Noninterest-Bearing 6.0%
+0.8pp YoY
+0.4pp QoQ
 -16.2pp 22.1% 24.0% 22.2% 4%
Brokered Deposits n/a n/a 7.9% 5.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I n/a n/a 11.6% 16.9% 12.5% n/a
CRE n/a n/a 39.5% 43.5% 41.4% n/a
1-4 Family 98.2%
+1.0pp YoY
+0.5pp QoQ
 +65.6pp 32.6% 30.6% 31.3% 99%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.0pp 4.1% 5.7% 5.0% 5%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio 12.4%
+0.6pp YoY
-0.1pp QoQ
 -6.4pp 18.8% 15.1% 19.7% 22%
Leverage Ratio 7.8%
+0.1pp YoY
-0.4pp QoQ
 -4.4pp 12.2% 13.2% 12.6% 2%
Total Capital Ratio 13.7%
+0.6pp YoY
-0.1pp QoQ
 -6.3pp 19.9% 16.2% 20.8% 23%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 87
-6 (-6.5%) YoY
-4 (-4.4%) QoQ
 +28 58 304 482 81%
Assets per Employee ($) $2.1M
+7.3% YoY
+6.9% QoQ
 -$5.4M $7.5M $6.9M $8.8M 1%
Branch Count 3
0 YoY
0 QoQ
 -2 4 20 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.1pp YoY
-0.1pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 43%
Nonaccrual 0.5%
+0.2pp YoY
+0.1pp QoQ
 -0.4pp 0.9% 1.2% 1.0% 54%
Allowance Coverage 1.50x
-20.9% YoY
+3.5% QoQ
 -22.65x 24.15x 7.50x 20.23x 39%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.3% 0.2% 48%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 9.7%
+7.1pp YoY
-1.1pp QoQ
 -2.5pp 12.2% 10.0% 11.6% 35%
Cost of Funds (YTD) 3.1%
-0.3pp YoY
+0.1pp QoQ
 +1.4pp 1.7% 1.7% 1.7% 98%
Net Income ($, YTD) $661,000
+284.3% YoY
— QoQ
 -$1.9M $2.6M $17.2M $40.4M 15%

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 (1)

Revenue Diversifier

growth
#117 of 661 • Top 17.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 3.42%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.74%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Flatlined Growth

risk
#117 of 529 • Bottom 21.9% 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: 0.74%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Quality Pressure

risk
#431 of 1256 • Bottom 34.2% in tier

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

Why this signature
Delinquency Rate: 0.60%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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 (1 metrics)

29
Non-Interest Income / Assets
revenue_mix
Value: 3.42%
Peer Median: 0.57%
#29 of 2643 Top 1.1% in $100M-$1B

Top Weaknesses (7 metrics)

2626
Loan-to-Deposit Ratio
liquidity
Value: 125.05%
Peer Median: 77.95%
#2626 of 2643 Bottom 0.7% in $100M-$1B
2519
Non-Interest-Bearing Deposit Share
funding
Value: 5.98%
Peer Median: 22.03%
#2519 of 2643 Bottom 4.7% in $100M-$1B
2517
Efficiency Ratio
profitability
Value: 91.63%
Peer Median: 64.48%
#2517 of 2643 Bottom 4.8% in $100M-$1B
2499
Net Interest Margin
profitability
Value: 2.74%
Peer Median: 3.99%
#2499 of 2643 Bottom 5.5% in $100M-$1B
2330
Total Deposits
size
Value: $120.36M
Peer Median: $326.73M
#2330 of 2643 Bottom 11.9% in $100M-$1B
2101
Return on Assets
profitability
Value: 0.74%
Peer Median: 1.32%
#2101 of 2643 Bottom 20.5% in $100M-$1B
2062
Total Assets
size
Value: $182.60M
Peer Median: $386.57M
#2062 of 2643 Bottom 22.0% in $100M-$1B
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