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BDI
FF

First Federal Bank, A FSB

Tuscaloosa, AlabamaFDIC Cert #31127

OCCEstablished 19593 branches

Holding company: SOUTHEASTERN FINANCIAL INCRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.87%
+81.1%y/y
Peer standing34th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICP3ASSET + LNLSGR
90+ %
0.15%
−56.3%y/y
Peer standing16th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICP9ASSET + LNLSGR
Nonaccrual %
0.48%
+36.1%y/y
Peer standing46th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNAASSET + LNLSGR
Noncurrent %
0.63%
−9.2%y/y
Peer standing42nd percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.53%
−7.7%y/y
Peer standing35th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$946K
−5.8%y/y
Peer standing36th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.00%
−100.0%y/y
Peer standing85th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNTLNLS + LNLSGR
NCO
$0
−100.0%y/y
Peer standing86th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
0.92%
−4.0%y/y
Percentile by value57th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNATRES + LNLSGR
30–89
$1.3M
+87.8%y/y
Peer standing32nd percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICP3ASSET
90+
$223K
−54.7%y/y
Peer standing12th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICP9ASSET
Nonaccrual
$723K
+41.2%y/y
Peer standing38th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNAASSET