First Federal Bank
Dunn, NC
IDRSSD: 943974
Total Assets
$261.74M
Latest filing
Total Deposits
$238.19M
Latest filing
Net Interest Margin
3.30%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Federal Bank
200 E Divine St
Dunn, NC 28334
Limited Service - Administrative
Updated 11/14/2025Established 01/01/1958FDIC Certificate 43911
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Federal Bank (Main) | 200 E Divine St | Dunn, NC |
| ANGIER BRANCH | 110 W Dupree St | Angier, NC |
| ERWIN BRANCH | 540 E Jackson Blvd | Erwin, NC |
| BENSON BRANCH | 105 N Johnson St | Benson, NC |
| FUQUAY-VARINA BRANCH | 603 N Judd Pkwy Ne | Fuquay Varina, NC |
| CLAYTON BRANCH | 442 E Main St | Clayton, NC |
| CUMBERLAND BRANCH | 200 E Cumberland St | Dunn, NC |
Showing 6 of 6
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 01/01/1958 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 28334 |
| State and County Number | 37085 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| 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 | Fayetteville, NC |
Operational Info
| Number of Employees | 53 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/01/2023 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.firstfederalbanknc.com |
| Data Updated | 11/14/2025 |
| CERT | 31077 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $261.74M |
| Total Deposits | $238.19M |
| Total Liabilities | $244.26M |
| Total Equity Capital | $17.48M |
| Net Income | $369.00k |
| Net Loans and Leases | $193.92M |
| Assets Per Employee ($Millions) | $4.94M |
| Bank Premises and Fixed Assets | $997.00k |
| Cash and Balances due from Depository Institutions | $10.32M |
| Deposits Held in Domestic Offices | $238.19M |
Key Performance Ratios
| Return on Assets (ROA) | 0.56% |
| Return on Equity (ROE) | 8.84% |
| Net Interest Margin | 3.3% |
| Efficiency Ratio | 85.58% |
| Tier 1 Risk-Based Capital Ratio | 15.585% |
| 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 | 6.677% |
| Earning Assets to total Assets | 95.38% |
Income and Expense
| Total Interest Income | $2.98M |
| Total Noninterest Income | $251.00k |
| Total Interest Expense | $912.00k |
| Total Noninterest Expense | $1.98M |
| Net Interest Income | $2.07M |
| Pre-tax Net Operating Income | $334.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.07M |
| Total Liabilities and Capital | $261.74M |
Securities
| Securities | $46.65M |
| Available-for-sale debt securities | $46.65M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$261.74M as of the latest filing.
How much are First Federal Bank's total deposits?
$238.19M in total deposits.
Where is First Federal Bank located?
Dunn, NC.
What is the Net Interest Margin?
3.30%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1958.
What is the Return on Assets (ROA)?
0.56%.
How much are total loans and leases?
$193.92M (latest filing).
What is the total interest income (latest filing)?
$2.98M.