First Federal Bank
Lake City, FL · Owner: First Federal Bcorp MHC
$4.5B
total assets, June 30, 2026
$4.5B
total assets, June 30, 2026
First Federal Bank is a savings bank based in Lake City, FL, owned by First Federal Bcorp MHC. As of June 30, 2026 it held $4.5 billion in assets and $3.4 billion in deposits; assets were up 6.9% from a year before. It has 27 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$4.5B
+6.9% in a year · +2.4% in a quarter
Deposits
$3.4B
+7.1% in a year · -0.6% in a quarter
Loans
$1.4B
+4.6% in a year · +4.8% in a quarter
Profit so far
$26.2M
Jan 1 to Jun 30, 2026 · +28.0% in a year
Capital ratio
10.83%
+0.06 pts in a year
Return on assets
1.19%
+0.17 pts in a year
Facts
- Type
- Savings bank
- Head office
- 4705 W Us Highway 90, Lake City, FL, 32055
- County
- Columbia
- Holding company
- First Federal Bcorp MHC
- Established
- Jan 1, 1961
- Employees
- 602
- Branches
- 27 in 2 states
- Website
- www.ffbf.com
- Id
- b31313
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
27 offices as of June 30, 2026, holding $3.4 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Florida | 25 | $3.3B | 97.3% |
| South Carolina | 2 | $93.9M | 2.7% |
| Largest branches | Place | Deposits |
|---|---|---|
| First Federal Bank (main office) | Lake City, FL | $1.2B |
| South Ohio Avenue Branch | Live Oak, FL | $532M |
| 1255 South First Street Branch | Lake City, FL | $252M |
| Fernandina Main Office Branch | Fernandina Beach, FL | $228M |
| Highway 90 W. Branch | Lake City, FL | $155M |
| Macclenny Branch | Macclenny, FL | $144M |
| Bonifay Branch | Bonifay, FL | $105M |
| First Federal Bank Of Florida Branch | Panama City, FL | $98.0M |
| Jasper Branch | Jasper, FL | $87.4M |
| Chipola Community Branch | Marianna, FL | $85.7M |
Related pages
Questions and answers
How big is First Federal Bank?
$4.5 billion in total assets and $3.4 billion in deposits as of June 30, 2026, with assets up 6.9% from a year before. Its loans were $1.4 billion.
How many branches does First Federal Bank have?
27 branches in 2 states as of June 30, 2026. The most deposits are in Florida ($3.3 billion).
Is First Federal Bank profitable?
Yes: it earned $26.2 million from January 1 to June 30, 2026 (up 28.0% from the same months a year before). Its return on assets was 1.19% a year; about 1% is typical.
Who owns First Federal Bank?
First Federal Bank is owned by First Federal Bcorp MHC, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.