First Federal Bank

First Federal Bank of Lake City, FL, chartered 1961: 26 offices, $4.49bn in assets, a 10.83% leverage ratio. Straight from the federal record.

First Federal Bank is an FDIC-insured bank headquartered in Lake City, FL, chartered in 1961. It is supervised by the Office of the Comptroller of the Currency and held by First Federal Bcorp Mhc. Every figure below is filed by the bank with its regulator and reproduced here unchanged.

Where First Federal Bank has branches

26 full-service offices across 2 states:

• Florida: 25 offices in 17 towns, holding $3.11bn at 30 June 2025
• South Carolina: 1 office, holding $102m at 30 June 2025

First Federal Bank on its latest Call Report, 30 June 2026

• Total assets: $4.49bn
• Total deposits: $3.44bn
• Tier 1 leverage ratio: 10.83%
• Total risk-based capital ratio: 21.06%
• Noncurrent loans, as a share of loans: 2.96%
• Return on assets: 1.19%
• Net interest margin: 3.32%
• Staff: 602

Compare First Federal Bank against every other bank with a branch in Florida, or find the offices nearest you.

Charter and office records from the FDIC BankFind Suite; capital, loan and earnings figures from the bank's own Call Report; deposits by office from the FDIC Summary of Deposits, counted each 30 June.