First Federal Bank

Lake City, FloridaFDIC Cert #31313

OCCEstablished 196130 branches

Holding company: FIRST FEDERAL BCORP MHCRegulator: OCC

FDICCERT + OFFDOMfiled 2026-07-27

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q2 2026FDICCall Reportfiled 2026-07-27

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$180M
Investor CRE	$184M
Multifamily	$193K
Construction	$60.6M
1–4 family	$452M
C&I	$157M
Agriculture	$14.8M
Other	$384M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$1.43B

+4.6%y/y

FDICLNLSGRfiled 2026-07-27

Net loans

$1.42B

+4.5%y/y

FDICLNLSNETfiled 2026-07-27

Loans YoY

+4.49%

+1,679.9%y/y

FDICLNLSNETfiled 2026-07-27

L/D

41.4%

−2.4%y/y

FDICLNLSNET + DEPfiled 2026-07-27

Loans/assets

31.7%

−2.3%y/y

FDICLNLSNET + ASSETfiled 2026-07-27

RE loans %

64.58%

−2.8%y/y

FDICLNRE + LNLSGRfiled 2026-07-27

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

49%

+6.0%y/y

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBCfiled 2026-07-27

Construction/capital

12%

−3.6%y/y

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBCfiled 2026-07-27

Loan HHI

1,464points

−9.0%y/y

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCDfiled 2026-07-27

Owner CRE %

12.53%

−3.2%y/y

FDICLNRENROW + LNLSGRfiled 2026-07-27

Investor CRE %

12.83%

+13.1%y/y

FDICLNRENROT + LNLSGRfiled 2026-07-27

C&I %

10.98%

+8.2%y/y

FDICLNCI + LNLSGRfiled 2026-07-27