Advertisement
First Federal Savings And Loan Association Of Valdosta
Valdosta, GA · FDIC Certificate #29164 · Chartered 09/0
Total assets
$278.50M
Total deposits
$208.54M
Total equity
$33.86M
Net loans
$243.30M
Branches (offices)
4
Net income (YTD)
$1.15M
Rank: #2,572 of 4,213 U.S. banks by assets · #72 of 123 in Georgia. Assets changed 10.5% and deposits 7.8% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.83% |
| Return on equity | 6.92% |
| Net interest margin (YTD) | 4.17% |
| Equity to assets | 12.16% |
| Tier 1 leverage ratio | 12.26% |
| Uninsured deposits (share of deposits) | 17.9% |
| Noncurrent loans (share of loans) | 1.79% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 116.7% |
| Real estate loans (share of loans) | 97.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $236.92M | 97.4% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $7.39M | 3.0% | |
| Construction & development | $21.80M | 9.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $200.93M | $166.79M | $514.00K | $29.70M |
| Jun 2023 | $210.39M | $156.32M | $705.00K | $30.30M |
| Jun 2024 | $234.20M | $175.17M | $804.00K | $31.30M |
| Jun 2025 | $251.99M | $193.50M | $1.03M | $32.53M |
| Jun 2026 | $278.50M | $208.54M | $1.15M | $33.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $208.54M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $208.54M.
Similar-sized banks
Guthrie County State Bank ($279.23M) · Southerntrust Bank ($278.50M)
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