First Federal Savings and Loan Association
Pascagoula, MS
IDRSSD: 90177
Total Assets
$379.29M
Latest filing
Total Deposits
$247.29M
Latest filing
Net Interest Margin
2.47%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Federal Savings and Loan Association
903 Jackson Ave
Pascagoula, MS 39567
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/28/1955FDIC Certificate 43646
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Federal Savings and Loan Association (Main) | 903 Jackson Ave | Pascagoula, MS |
| 4201 BELLVIEW BRANCH | 4201 Bellview Ave | Moss Point, MS |
| 2601 HWY 90 BRANCH | 1414 Highway 90 | Gautier, MS |
| 3905 BEINVILLE BOULEVARD BRANCH | 3905 Bienville Blvd | Ocean Springs, MS |
| HURLEY BRANCH | 21505 Highway 613 | Hurley, MS |
| VANCLEAVE BRANCH | 10900 Highway 57 | Vancleave, MS |
Showing 5 of 5
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 | 10/28/1955 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 39567 |
| State and County Number | 28059 |
| 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 | Dallas |
| Core Based Statistical Area Name | Gulfport-Biloxi, MS |
Operational Info
| Number of Employees | 52 |
| Domestic Offices | 6 |
| 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.firstwithus.com |
| Data Updated | 01/30/2026 |
| CERT | 30812 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $379.29M |
| Total Deposits | $247.29M |
| Total Liabilities | $344.07M |
| Total Equity Capital | $35.22M |
| Net Income | $166.00k |
| Net Loans and Leases | $313.32M |
| Assets Per Employee ($Millions) | $7.16M |
| Bank Premises and Fixed Assets | $5.41M |
| Cash and Balances due from Depository Institutions | $12.97M |
| Deposits Held in Domestic Offices | $247.29M |
Key Performance Ratios
| Return on Assets (ROA) | 0.17% |
| Return on Equity (ROE) | 1.89% |
| Net Interest Margin | 2.47% |
| Efficiency Ratio | 91.37% |
| Tier 1 Risk-Based Capital Ratio | 19.057% |
| 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 | 9.286% |
| Earning Assets to total Assets | 93.75% |
Income and Expense
| Total Interest Income | $4.73M |
| Total Noninterest Income | $228.00k |
| Total Interest Expense | $2.52M |
| Total Noninterest Expense | $2.22M |
| Net Interest Income | $2.21M |
| Pre-tax Net Operating Income | $210.00k |
| 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 | $799.00k |
| Other borrowed funds | $59.91M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.86M |
| Total Liabilities and Capital | $379.29M |
Securities
| Securities | $34.96M |
| Available-for-sale debt securities | $20.14M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $14.69M |
| Subordinated Debt | $35.00M |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Federal Savings and Loan Association?
$379.29M as of the latest filing.
How much are First Federal Savings and Loan Association's total deposits?
$247.29M in total deposits.
Where is First Federal Savings and Loan Association located?
Pascagoula, MS.
What is the Net Interest Margin?
2.47%.
How many domestic offices does it operate?
6.
When was it established?
10/28/1955.
What is the Return on Assets (ROA)?
0.17%.
How much are total loans and leases?
$313.32M (latest filing).
What is the total interest income (latest filing)?
$4.73M.