🏦Bank Scorer

FIRST FEDERAL BANK

LAKE CITY, FL · Supervised by OTS

Est. 1961FDIC #31,313
Satisfactory Same

Current rating · Exam: August 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.22%

Institution Profile

FDIC BankFind

Address

4705 W Us Highway 90, LAKE CITY, FL

County

Columbia County

Established

January 1, 1961

Total Assets

$4.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 23, 1995

Exam Type

Assessment Factor

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 30 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$4.4B

Total Deposits

$3.5B

Net Loans

$1.4B

Net Income

$13M

ROA

1.22%

ROE

11.93%

Risk-Based Capital

21.54%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

26

Branch Deposits

$3.2B

1-Year Change

+1

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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