First Federal Bank
Lake City, FL
IDRSSD: 384278
Total Assets
$4.31B
Latest filing
Total Deposits
$3.20B
Latest filing
Net Interest Margin
2.91%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
063201435BONIFAY, FL263184488LAKE CITY, FL
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Federal Bank
4705 W Us Highway 90
Lake City, FL 32055
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1961FDIC Certificate 44147
Branches (28)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| First Federal Bank (Main) | 4705 W Us Highway 90 | Lake City, FL |
| JASPER BRANCH | 507 Hatley St W | Jasper, FL |
| HIGHWAY 51 N. BRANCH | 187 N Fletcher Ave | Mayo, FL |
| HIGHWAY 90 W. BRANCH | 2571 W Us Highway 90 | Lake City, FL |
| 1255 SOUTH FIRST STREET BRANCH | 707 Sw Main Blvd | Lake City, FL |
| DOWLING PARK BRANCH | 11035 County Road 136 | Dowling Park, FL |
| LIVE OAK BRANCH | 1102 Ohio Ave N | Live Oak, FL |
| MESSENGER SERVICE BRANCH | 36 Sea Island Pkwy | Beaufort, SC |
Showing 7 of 28
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 | 01/01/1961 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 32055 |
| State and County Number | 12023 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 34 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Lake City, FL |
Operational Info
| Number of Employees | 559 |
| Domestic Offices | 29 |
| 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.ffbf.com |
| Data Updated | 01/30/2026 |
| CERT | 31313 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.31B |
| Total Deposits | $3.20B |
| Total Liabilities | $3.86B |
| Total Equity Capital | $445.53M |
| Net Income | $-8,499,000 |
| Net Loans and Leases | $1.37B |
| Assets Per Employee ($Millions) | $7.78M |
| Bank Premises and Fixed Assets | $40.69M |
| Cash and Balances due from Depository Institutions | $84.18M |
| Deposits Held in Domestic Offices | $3.20B |
Key Performance Ratios
| Return on Assets (ROA) | -0.8% |
| Return on Equity (ROE) | -7.78% |
| Net Interest Margin | 2.91% |
| Efficiency Ratio | 73.96% |
| Tier 1 Risk-Based Capital Ratio | 20.661% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.336% |
| Earning Assets to total Assets | 88.49% |
Income and Expense
| Total Interest Income | $46.40M |
| Total Noninterest Income | $13.22M |
| Total Interest Expense | $19.07M |
| Total Noninterest Expense | $30.00M |
| Net Interest Income | $27.34M |
| Pre-tax Net Operating Income | $8.45M |
| Provision for Credit Losses | $2.11M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $604.00k |
| Other borrowed funds | $531.51M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $128.89M |
| Total Liabilities and Capital | $4.31B |
Securities
| Securities | $2.39B |
| Available-for-sale debt securities | $2.39B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Federal Bank?
$4.31B as of the latest filing.
How much are First Federal Bank's total deposits?
$3.20B in total deposits.
Where is First Federal Bank located?
Lake City, FL.
What is the Net Interest Margin?
2.91%.
How many domestic offices does it operate?
29.
When was it established?
01/01/1961.
What is the Return on Assets (ROA)?
-0.8%.
How much are total loans and leases?
$1.37B (latest filing).
What is the total interest income (latest filing)?
$46.40M.