First Fidelity Bank
Fort Payne, AL
IDRSSD: 420877
Total Assets
$161.86M
Latest filing
Total Deposits
$146.84M
Latest filing
Net Interest Margin
3.52%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Fidelity Bank
1400 Gault Ave N
Fort Payne, AL 35967
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/03/1965FDIC Certificate 44313
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Fidelity Bank (Main) | 1400 Gault Ave N | Fort Payne, AL |
| MAIN STREET WEST BRANCH | 960 Main St W | Rainsville, AL |
| 10838 ALABAMA HWY. 75 BRANCH | 10838 Alabama Hwy. 75 | Ider, 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 | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/03/1965 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35967 |
| State and County Number | 01049 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Fort Payne, AL |
Operational Info
| Number of Employees | 24 |
| 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 | https://www.bankffb.com |
| Data Updated | 11/14/2025 |
| CERT | 31479 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $161.86M |
| Total Deposits | $146.84M |
| Total Liabilities | $147.15M |
| Total Equity Capital | $14.72M |
| Net Income | $371.00k |
| Net Loans and Leases | $71.45M |
| Assets Per Employee ($Millions) | $6.74M |
| Bank Premises and Fixed Assets | $2.44M |
| Cash and Balances due from Depository Institutions | $11.55M |
| Deposits Held in Domestic Offices | $146.84M |
Key Performance Ratios
| Return on Assets (ROA) | 0.93% |
| Return on Equity (ROE) | 10.44% |
| Net Interest Margin | 3.52% |
| Efficiency Ratio | 63.69% |
| Tier 1 Risk-Based Capital Ratio | 18.192% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.092% |
| Earning Assets to total Assets | 94.97% |
Income and Expense
| Total Interest Income | $1.88M |
| Total Noninterest Income | $55.00k |
| Total Interest Expense | $542.00k |
| Total Noninterest Expense | $884.00k |
| Net Interest Income | $1.33M |
| Pre-tax Net Operating Income | $471.00k |
| Provision for Credit Losses | $33.00k |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $18.49M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $312.00k |
| Total Liabilities and Capital | $161.86M |
Securities
| Securities | $55.29M |
| Available-for-sale debt securities | $52.39M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $2.90M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Fidelity Bank?
$161.86M as of the latest filing.
How much are First Fidelity Bank's total deposits?
$146.84M in total deposits.
Where is First Fidelity Bank located?
Fort Payne, AL.
What is the Net Interest Margin?
3.52%.
How many domestic offices does it operate?
3.
When was it established?
05/03/1965.
What is the Return on Assets (ROA)?
0.93%.
How much are total loans and leases?
$71.45M (latest filing).
What is the total interest income (latest filing)?
$1.88M.