BlastPoint's Banking Scorecard

First Federal Bank

$1B-$10B Specialty: Other FL FDIC cert 31313

Lake City, FL

29 branches across FL · SC

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 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
Deposits +7.1% year over year ($3.4B on the books).
Delinquency rate 2.99%.
Return on assets 1.19%.
Efficiency ratio 66.69% vs a 59.73% peer average.
Loan-to-deposit ratio 41.35% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 24 in FL

View $1B-$10B leaderboard (FL) →

First Federal Bank has 1 strength but faces 4 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 48.2% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 11.4% in tier
- ROA 0.20% below tier average
- Net Interest Margin 0.55% below tier average
- Efficiency Ratio 6.96% above tier average

Get updates when First Federal Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$4.5B +6.9% YoY +2.4% QoQ	+$1.7B	$2.8B -0.6% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	83%
Total Loans ?	$1.4B +4.5% YoY +4.8% QoQ	-$541.4M	$2.0B -0.3% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	51%
Total Deposits ?	$3.4B +7.1% YoY -0.6% QoQ	+$1.1B	$2.3B -0.5% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	81%
Return on Assets ?	1.19% +16.5% YoY -2.2% QoQ	-0.20%	1.39% +17.0% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	44%
Net Interest Margin ?	3.32% +3.1% YoY +3.3% QoQ	-0.55%	3.87% +6.2% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	27%
Efficiency Ratio ?	66.69% -2.5% YoY +1.2% QoQ	+6.96%	59.73% -12.6% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	28%
Delinquency Rate ?	2.99% +1.0% YoY -10.0% QoQ	+2.12%	0.87% +11.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	Bottom 4.3% in tier
Loan-to-Deposit Ratio ?	41.35% -2.4% YoY +5.4% QoQ	-43.68%	85.04% -0.1% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	Top 2.6% in tier
Non-Interest-Bearing Deposit Share ?	11.25% +15.4% YoY +10.3% QoQ	-10.02%	21.27% -1.5% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	Bottom 13.6% in tier
Nonperforming Asset Ratio ?	0.95% -1.0% YoY -7.9% QoQ	+0.28%	0.67% +11.7% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	23%
Tier 1 Capital Ratio ?	20.56% +0.9% YoY -2.2% QoQ	+5.72%	14.84% -0.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	Top 6.7% in tier
Non-Interest Income / Assets ?	0.71% +8.7% YoY +93.1% QoQ	+0.18%	0.53% +2.5% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	Top 10.8% 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 (FL)	National Avg	Tier Percentile
Noninterest-Bearing	11.2% +1.5pp YoY +1.0pp QoQ	-10.1pp	21.4%	27.7%	22.2%	13%
Brokered Deposits	25.2% +2.3pp YoY +0.8pp QoQ	+15.7pp	9.5%	8.7%	8.5%	92%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	11.1% +0.8pp YoY 0.0pp QoQ	-2.9pp	14.0%	12.9%	12.5%	49%
CRE	29.8% +0.9pp YoY +0.1pp QoQ	-20.2pp	50.0%	50.6%	41.4%	11%
1-4 Family	35.0% +0.3pp YoY -1.3pp QoQ	+8.5pp	26.4%	30.7%	31.3%	75%
Consumer	6.2% -1.6pp YoY -0.4pp QoQ	+1.5pp	4.7%	3.7%	5.0%	84%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	20.6% +0.2pp YoY -0.5pp QoQ	+5.0pp	15.6%	19.8%	19.7%	92%
Leverage Ratio	10.8% +0.1pp YoY -0.1pp QoQ	-0.5pp	11.3%	13.9%	12.6%	57%
Total Capital Ratio	21.1% +0.3pp YoY -0.5pp QoQ	+4.4pp	16.7%	21.1%	20.8%	91%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	602 +28 (+4.9%) YoY -31 (-4.9%) QoQ	+288	313	295	482	89%
Assets per Employee ($)	$7.5M +2.0% YoY +7.6% QoQ	-$3.0M	$10.5M	$10.3M	$8.8M	30%
Branch Count	30 +1 (+3.4%) YoY 0 QoQ	+10	20	13	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	2.6% +0.1pp YoY -0.2pp QoQ	+2.5pp	0.2%	0.3%	0.4%	99%
Nonaccrual	0.3% 0.0pp YoY -0.1pp QoQ	-0.5pp	0.8%	0.7%	1.0%	34%
Allowance Coverage	0.26x +12.7% YoY +6.9% QoQ	-18.45x	18.71x	16.62x	20.23x	1%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY -0.1pp QoQ	-0.2pp	0.3%	0.2%	0.2%	69%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	11.6% +0.9pp YoY -0.3pp QoQ	-1.0pp	12.6%	9.3%	11.6%	46%
Cost of Funds (YTD)	1.8% -0.2pp YoY +0.1pp QoQ	-0.1pp	1.9%	1.8%	1.7%	44%
Net Income ($, YTD)	$26.2M +28.0% YoY — QoQ	+$7.0M	$19.2M	$25.2M	$40.4M	78%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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

#108 of 222 • Top 48.2% 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: 0.71%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.19%

(Tier: 1.39%, National: 1.30%)

but worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Credit Risk Growth

risk

#47 of 402 • Bottom 11.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 41.35%

Peer Median: 85.04%

#24 of 885 Top 2.6% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 20.56%

Peer Median: 14.84%

#60 of 885 Top 6.7% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.71%

Peer Median: 0.53%

#97 of 885 Top 10.8% in $1B-$10B

148

Total Assets

size

Value: $4.49B

Peer Median: $2.79B

#148 of 885 Top 16.6% in $1B-$10B

169

Total Deposits

size

Value: $3.44B

Peer Median: $2.32B

#169 of 885 Top 19.0% in $1B-$10B

Top Weaknesses (3 metrics)

845

Delinquency Rate

credit_quality

Value: 2.99%

Peer Median: 0.87%

#845 of 882 Bottom 4.3% in $1B-$10B

766

Non-Interest-Bearing Deposit Share

funding

Value: 11.25%

Peer Median: 21.27%

#766 of 885 Bottom 13.6% in $1B-$10B

680

Nonperforming Asset Ratio

credit_quality

Value: 0.95%

Peer Median: 0.67%

#680 of 885 Bottom 23.3% in $1B-$10B