First Federal Bank, A FSB
Tuscaloosa, AL
IDRSSD: 814074
Total Assets
$173.07M
Latest filing
Total Deposits
$110.51M
Latest filing
Net Interest Margin
2.69%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Federal Bank, A FSB
1300 Mcfarland Blvd Ne
Tuscaloosa, AL 35406
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/20/1959FDIC Certificate 43961
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Federal Bank, A FSB (Main) | 1300 Mcfarland Blvd Ne | Tuscaloosa, AL |
| NINTH STREET BRANCH | 2315 9th St | Tuscaloosa, AL |
| TUSCALOOSA BRANCH | 5301 Highway 69 S | Tuscaloosa, AL |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 11/20/1959 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35406 |
| State and County Number | 01125 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Tuscaloosa, AL |
Operational Info
| Number of Employees | 93 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.1stfed.com |
| Data Updated | 01/30/2026 |
| CERT | 31127 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $173.07M |
| Total Deposits | $110.51M |
| Total Liabilities | $159.72M |
| Total Equity Capital | $13.35M |
| Net Income | $-174,000 |
| Net Loans and Leases | $142.81M |
| Assets Per Employee ($Millions) | $1.9M |
| Bank Premises and Fixed Assets | $3.51M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $110.51M |
Key Performance Ratios
| Return on Assets (ROA) | -0.4% |
| Return on Equity (ROE) | -5.18% |
| Net Interest Margin | 2.69% |
| Efficiency Ratio | 105.76% |
| Tier 1 Risk-Based Capital Ratio | 12.446% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.715% |
| Earning Assets to total Assets | 89.77% |
Income and Expense
| Total Interest Income | $2.30M |
| Total Noninterest Income | $2.16M |
| Total Interest Expense | $1.25M |
| Total Noninterest Expense | $3.40M |
| Net Interest Income | $1.05M |
| Pre-tax Net Operating Income | $-185,000 |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $43.80M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.41M |
| Total Liabilities and Capital | $173.07M |
Securities
| Securities | $672.00k |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $672.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Federal Bank, A FSB?
$173.07M as of the latest filing.
How much are First Federal Bank, A FSB's total deposits?
$110.51M in total deposits.
Where is First Federal Bank, A FSB located?
Tuscaloosa, AL.
What is the Net Interest Margin?
2.69%.
How many domestic offices does it operate?
3.
When was it established?
11/20/1959.
What is the Return on Assets (ROA)?
-0.4%.
How much are total loans and leases?
$142.81M (latest filing).
What is the total interest income (latest filing)?
$2.30M.