First Federal Savings and Loan Association of Valdosta
Valdosta, GA
IDRSSD: 828174
Total Assets
$259.75M
Latest filing
Total Deposits
$189.69M
Latest filing
Net Interest Margin
4.20%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Federal Savings and Loan Association of Valdosta
411 N Patterson St
Valdosta, GA 31601
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/01/1934FDIC Certificate 41998
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Federal Savings and Loan Association of Valdosta (Main) | 411 N Patterson St | Valdosta, GA |
| 2728 NORTH OAK STREET BRANCH | 2728 N Oak St | Valdosta, GA |
| LAKES BLVD. BRANCH | 801 Lakes Blvd | Lake Park, GA |
| NORMAN DRIVE BRANCH | 460 Norman Dr | Valdosta, GA |
Showing 3 of 3
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 | 09/01/1934 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 31601 |
| State and County Number | 13185 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 38 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Valdosta, GA |
Operational Info
| Number of Employees | 44 |
| Domestic Offices | 4 |
| 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.1stfederalvaldosta.com |
| Data Updated | 11/14/2025 |
| CERT | 29164 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $259.75M |
| Total Deposits | $189.69M |
| Total Liabilities | $226.71M |
| Total Equity Capital | $33.04M |
| Net Income | $496.00k |
| Net Loans and Leases | $229.68M |
| Assets Per Employee ($Millions) | $6.04M |
| Bank Premises and Fixed Assets | $2.46M |
| Cash and Balances due from Depository Institutions | $10.92M |
| Deposits Held in Domestic Offices | $189.69M |
Key Performance Ratios
| Return on Assets (ROA) | 0.78% |
| Return on Equity (ROE) | 6.05% |
| Net Interest Margin | 4.2% |
| Efficiency Ratio | 75.2% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.719% |
| Earning Assets to total Assets | 92.33% |
Income and Expense
| Total Interest Income | $3.81M |
| Total Noninterest Income | $240.00k |
| Total Interest Expense | $1.33M |
| Total Noninterest Expense | $2.05M |
| Net Interest Income | $2.48M |
| Pre-tax Net Operating Income | $645.00k |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $71.00k |
| Other borrowed funds | $32.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.02M |
| Total Liabilities and Capital | $259.75M |
Securities
| Securities | $1.85M |
| Available-for-sale debt securities | $1.85M |
| 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 Savings and Loan Association of Valdosta?
$259.75M as of the latest filing.
How much are First Federal Savings and Loan Association of Valdosta's total deposits?
$189.69M in total deposits.
Where is First Federal Savings and Loan Association of Valdosta located?
Valdosta, GA.
What is the Net Interest Margin?
4.20%.
How many domestic offices does it operate?
4.
When was it established?
09/01/1934.
What is the Return on Assets (ROA)?
0.78%.
How much are total loans and leases?
$229.68M (latest filing).
What is the total interest income (latest filing)?
$3.81M.