BlastPoint's Banking Scorecard
First Federal Bank
Lake City, FL
30 branches across FL · SC
First Federal Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 41.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.43% above tier average
- - ROA 0.15% below tier average
- - Net Interest Margin 0.61% below tier average
- - Efficiency Ratio 4.85% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.4B
+10.3% YoY
+1.7% QoQ
|
+$1.6B |
$2.8B
-0.1% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
82% |
| Total Loans ? |
$1.4B
+9.1% YoY
-1.1% QoQ
|
-$608.5M |
$2.0B
+0.6% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
50% |
| Total Deposits ? |
$3.5B
+9.6% YoY
+7.9% QoQ
|
+$1.1B |
$2.3B
-0.3% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
1.22%
+13.5% YoY
+110.3% QoQ
|
-0.15% |
1.37%
+19.6% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
49% |
| Net Interest Margin ? |
3.21%
+1.6% YoY
+2.4% QoQ
|
-0.61% |
3.82%
+6.9% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
25% |
| Efficiency Ratio ? |
65.91%
-2.6% YoY
-4.4% QoQ
|
+4.85% |
61.06%
-4.6% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
3.32%
-13.0% YoY
+3.6% QoQ
|
+2.43% |
0.89%
+14.1% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.7% in tier |
| Loan-to-Deposit Ratio ? |
39.23%
-0.5% YoY
-8.3% QoQ
|
-44.97% |
84.20%
+0.3% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 2.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.20%
-0.4% YoY
-42.5% QoQ
|
-11.09% |
21.29%
-2.5% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 12.1% in tier |
| Nonperforming Asset Ratio ? |
1.03%
-13.7% YoY
-0.3% QoQ
|
+0.36% |
0.67%
+15.6% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
21.03%
-1.1% YoY
+1.8% QoQ
|
+5.87% |
15.16%
+2.0% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
Top 6.7% in tier |
| Non-Interest Income / Assets ? |
0.37%
-2.1% YoY
-71.5% QoQ
|
+0.11% |
0.26%
+1.6% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
Top 10.1% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.