BlastPoint's Banking Scorecard
Financial Federal Bank
Designations: ✓ Community bank
Memphis, TN
Financial Federal Bank has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 43.6% in tier
- + Efficiency Ratio 5.92% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.8% in tier
- - Credit Risk Growth: Bottom 6.4% in tier
- - Capital Thin: Bottom 15.4% in tier
- - Net Interest Margin 1.25% below tier average
- - Loan-to-Deposit Ratio 39.73% above tier average
- - Non-Interest-Bearing Deposit Share 18.61% below tier average
- - ROA 0.33% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+4.2% YoY
+2.1% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.3% in tier |
| Total Loans ? |
$1.1B
+3.3% YoY
+1.9% QoQ
|
-$900.8M |
$2.0B
+0.6% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
35% |
| Total Deposits ? |
$858.6M
+5.5% YoY
-1.7% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 4.3% in tier |
| Return on Assets ? |
1.04%
+44.0% YoY
+42.5% QoQ
|
-0.33% |
1.37%
+19.6% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
35% |
| Net Interest Margin ? |
2.57%
+26.6% YoY
+13.4% QoQ
|
-1.25% |
3.82%
+6.9% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 6.6% in tier |
| Efficiency Ratio ? |
55.14%
-12.8% YoY
-12.4% QoQ
|
-5.92% |
61.06%
-4.6% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
64% |
| Delinquency Rate ? |
0.06%
+21.5% YoY
-74.1% QoQ
|
-0.83% |
0.89%
+14.1% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
Top 8.2% in tier |
| Loan-to-Deposit Ratio ? |
123.93%
-2.1% YoY
+3.7% QoQ
|
+39.73% |
84.20%
+0.3% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 1.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.68%
-10.7% YoY
-0.0% QoQ
|
-18.61% |
21.29%
-2.5% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 2.3% in tier |
| Nonperforming Asset Ratio ? |
0.21%
+348.3% YoY
-3.8% QoQ
|
-0.46% |
0.67%
+15.6% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
72% |
| Tier 1 Capital Ratio ? |
9.94%
+1.2% YoY
+2.2% QoQ
|
-5.22% |
15.16%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.1% in tier |
| Non-Interest Income / Assets ? |
0.07%
+15.2% YoY
-67.3% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
17% |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.