First Federal Bank

Lake City, FloridaFDIC Cert #31313

OCCEstablished 196130 branches

Holding company: FIRST FEDERAL BCORP MHCRegulator: OCC

FDICCERT + OFFDOMfiled 2026-07-27

Delinquency, loss & reserves

Credit

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

As of Q2 2026FDICCall Reportfiled 2026-07-27

Problem credits

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

30–89 %

0.83%

−43.5%y/y

FDICP3ASSET + LNLSGRfiled 2026-07-27

90+ %

2.62%

+1.9%y/y

FDICP9ASSET + LNLSGRfiled 2026-07-27

Nonaccrual %

0.34%

−6.5%y/y

FDICNAASSET + LNLSGRfiled 2026-07-27

Noncurrent %

2.96%

+0.9%y/y

FDICP9ASSET + NAASSET + LNLSGRfiled 2026-07-27

NPA/assets

0.95%

−1.0%y/y

FDICP9ASSET + NAASSET + ORE + ASSETfiled 2026-07-27

NPA

$42.6M

+5.9%y/y

FDICP9ASSET + NAASSET + OREfiled 2026-07-27

Loss & allowance

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

NCO rate

0.11%

+72.1%y/y

FDICNTLNLS + LNLSGRfiled 2026-07-27

NCO

$776K

+80.9%y/y

FDICNTLNLS + DRLNLS + CRLNLSfiled 2026-07-27

ACL/loans

0.76%

+13.7%y/y

FDICLNATRES + LNLSGRfiled 2026-07-27

30–89

$11.9M

−40.9%y/y

FDICP3ASSETfiled 2026-07-27

90+

$37.6M

+6.6%y/y

FDICP9ASSETfiled 2026-07-27

Nonaccrual

$4.86M

−2.2%y/y

FDICNAASSETfiled 2026-07-27