🏦Bank Scorer

FIRST FEDERAL BANK, A FSB

TUSCALOOSA, AL · Supervised by OTS

Est. 1959FDIC #31,127
Satisfactory Same

Current rating · Exam: May 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.83%

Institution Profile

FDIC BankFind

Address

1300 Mcfarland Blvd Ne, TUSCALOOSA, AL

County

Tuscaloosa County

Established

November 20, 1959

Total Assets

$179M(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

May 17, 2010

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 16 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

$179M

Total Deposits

$112M

Net Loans

$149M

Net Income

$366K

ROA

0.83%

ROE

10.86%

Risk-Based Capital

13.77%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate4.33%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$120M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,87272.28%4.33%
20231,73569.91%3.69%
20222,32070.52%4.05%
20214,13973.69%3.72%
20204,37577.37%3.61%
20192,40378.73%4.24%
20182,26776.67%4.54%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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