Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Tuscaloosa, AL · FDIC certificate #31127
FIRST FEDERAL BANK A FSB is an FDIC-insured institution based in Tuscaloosa, AL (FDIC certificate #31127). In its Q3 2026 Call Report it reported total assets of $182M, total deposits of $124M and net loans of $151M. Its primary federal regulator is OCC.
Plain-language readout
FIRST FEDERAL BANK A FSB has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $183M in Q2 2026 and were lowest at $179M in Q1 2026.
Total deposits were highest at $124M in Q3 2026 and lowest at $112M in Q1 2026.
Over the whole period total assets rose 1.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $182M | $124M | $151M | 0.42% | 5.49% | 2.85% |
| Q2 2026 | $183M | $120M | $151M | 0.74% | 9.71% | 2.74% |
| Q1 2026 | $179M | $112M | $149M | 0.83% | 10.86% | 2.66% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $14.0M | $11.8M | +$2.3M | +19.3% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $657K | $664K | -$7K | -1.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $22.3M | $19.7M | +$2.5M | +12.8% |
| Net loans and leases (after allowance) | $128.2M | $128.9M | -$624K | -0.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.4M | $3.5M | -$71K | -2.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $552K | $564K | -$12K | -2.1% |
| All other assets | $13.4M | $13.6M | -$239K | -1.8% |
| Total assets | $182.6M | $178.7M | +$3.9M | +2.2% |
| Liabilities | ||||
| Total deposits | $120.4M | $112.0M | +$8.3M | +7.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $42.3M | $47.1M | -$4.8M | -10.2% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.0M | $6.0M | +$29K | +0.5% |
| Total liabilities | $168.7M | $165.1M | +$3.6M | +2.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $3K | $3K | $0K | 0.0% |
| Surplus | $7.9M | $7.9M | $0K | 0.0% |
| Retained earnings | $6.0M | $5.7M | +$294K | +5.1% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $13.9M | $13.6M | +$294K | +2.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $907K | $946K | -$39K | -4.1% |
| Adjusted nonperforming assets | $389K | $308K | +$81K | +26.3% |
| Tangible equity plus allowance | $14.7M | $14.4M | +$296K | +2.1% |
| Texas ratio (gross) | 6.17% | 6.56% | -0.40 pts | See points |
| Texas ratio (adjusted) | 2.64% | 2.14% | +0.51 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.80% | 5.61% | +0.19 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.44% | 12.52% | -0.08 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.44% | 12.52% | -0.08 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.22% | 1.25% | -0.03 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.66% | 13.77% | -0.11 pts | See points |
| Tier 1 leverage (approximate) | 7.82% | 8.19% | -0.37 pts | See points |
| Construction and land loans to total capital | 23.95% | 28.83% | -4.88 pts | See points |
| Commercial real estate to total capital | 24.96% | 30.11% | -5.15 pts | See points |
| Dividend payout, year to date | 17.40% | 31.42% | -14.02 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.44% | -0.45% | +0.01 pts | See points |
| Liquidity | ||||
| Core deposits | $99.7M | $91.1M | +$8.7M | +9.5% |
| Non-core funding | $62.9M | $68.1M | -$5.1M | -7.6% |
| Loans to core deposits | 129.96% | 143.04% | -13.08 pts | See points |
| Loans to deposits | 107.69% | 116.26% | -8.58 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 94.82% | 94.88% | -0.05 pts | See points |
| Loans pledged, share of loans | 61.90% | 53.96% | +7.94 pts | See points |
| Volatile liabilities | $91.3M | $90.1M | +$1.2M | +1.4% |
| Earnings | ||||
| Earnings before provision, year to date | $706K | $391K | +$315K | +80.6% |
| Earnings before provision, single quarter | $315K | $391K | -$76K | -19.4% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.14% | 6.10% | +0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.49% | 3.29% | +0.20 pts | See points |
| Total interest income to average assets | 5.47% | 5.40% | +0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 0.15% | 0.17% | -0.02 pts | See points |
| Cost of savings and money market deposits | 1.34% | 1.31% | +0.02 pts | See points |
| Cost of time deposits | 3.87% | 3.91% | -0.05 pts | See points |
| Total interest expense to average assets | 2.90% | 2.88% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $182M | $124M | $151M | 0.42% | 5.49% | 2.85% |
| 2026-06-30 | $183M | $120M | $151M | 0.74% | 9.71% | 2.74% |
| 2026-03-31 | $179M | $112M | $149M | 0.83% | 10.86% | 2.66% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $120.1M | 0.08% | 100 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.