Advertisement
First Federal Savings And Loan Association
Pascagoula, MS · FDIC Certificate #30812 · Chartered 10/2
Total assets
$381.44M
Total deposits
$276.16M
Total equity
$35.85M
Net loans
$306.75M
Branches (offices)
6
Net income (YTD)
$797.00K
Rank: #2,140 of 4,213 U.S. banks by assets · #32 of 57 in Mississippi. Assets changed 0.2% and deposits 11.7% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.42% |
| Return on equity | 4.49% |
| Net interest margin (YTD) | 2.63% |
| Equity to assets | 9.40% |
| Tier 1 leverage ratio | 9.72% |
| Uninsured deposits (share of deposits) | 22.4% |
| Noncurrent loans (share of loans) | 0.16% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 111.1% |
| Real estate loans (share of loans) | 100.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $307.66M | 100.3% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $1.71M | 0.6% | |
| Construction & development | $9.29M | 3.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $341.85M | $223.99M | $886.00K | $32.29M |
| Jun 2023 | $350.48M | $219.66M | $817.00K | $32.86M |
| Jun 2024 | $371.50M | $225.00M | $389.00K | $33.65M |
| Jun 2025 | $380.67M | $247.20M | $374.00K | $34.60M |
| Jun 2026 | $381.44M | $276.16M | $797.00K | $35.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $276.16M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $276.16M.
Similar-sized banks
City Bank & Trust Co. ($382.04M) · Guaranty State Bank And Trust Company ($381.44M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement