First Federal Bank
Lake City, FL · Savings Bank · Part of FIRST FEDERAL BCORP MHC
Summary
- Total assets: $4.5 billion
- Total deposits: $3.4 billion
- Total loans: $1.4 billion
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 4.2% |
| Multifamily | 0.0% |
| Owner-occupied commercial real estate | 12.5% |
| Non-owner-occupied commercial real estate | 12.8% |
| Residential | 34.7% |
| Commercial & industrial | 11.0% |
| Consumer & other | 24.7% |
Health indicators
- Tier 1 leverage ratio: 10.83%
- Total risk-based capital ratio: 21.06%
- Noncurrent loans: 2.96%
- Net charge-offs: 0.11%
- Return on assets: 1.19%
Local footprint
| County | Branches | Deposits |
|---|---|---|
| Columbia, FL | 3 | $1.6 billion |
| Suwannee, FL | 3 | $586 million |
| Nassau, FL | 3 | $297 million |
| Jackson, FL | 3 | $190 million |
| Baker, FL | 1 | $144 million |
| Holmes, FL | 1 | $105 million |
| Marion, FL | 3 | $101 million |
| Bay, FL | 1 | $98 million |
| Hamilton, FL | 1 | $87 million |
| Washington, FL | 1 | $52 million |
| Lafayette, FL | 1 | $39 million |
| Alachua, FL | 2 | $39 million |
| Duval, FL | 1 | $12 million |
| Bradford, FL | 1 | $875,000 |