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Overview / Commentary
1401 Highway 62-65 North
Harrison, AR 72601

First Federal (AR) is headquartered in Harrison and is the 17st largest bank in the state of Arkansas. It is also the 1,217st largest bank in the nation. It was established in 1934 and as of December of 2013, it had grown to 185 employees at 13 locations. First Federal (AR) has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 First Federal (AR) had $20.56 million in non-current loans and owned real-estate with $83.1 million in equity and loan loss allowances on hand to cover it. This gives First Federal (AR) a Texas Ratio of 24.75% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Federal (AR) decreased dramatically from 42.30% as of December 31, 2012 to 24.75% as of December 31, 2013, resulting in a positive change of 41.50%.This indicates that the balance sheet and financial strength for First Federal (AR) has improved dramatically in recent periods.

Deposit Growth


In the past year, First Federal (AR) has increased its total deposits by $13.9 million, resulting in 3.04% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Federal (AR) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Federal (AR) has $548.84 million in assets with $83.1 million in equity, resulting in a capitalization level of 15.14%, which is excellent.

Institution Statistics

FDIC Certificate #28982
Year Established1934
Primary RegulatorOCC
Assets and Liabilities
Assets$548.84 million
Loans$375.35 million
Deposits$471.14 million
Equity Capital$70.39 million
Loan Loss Allowance$12.71 million
Unbacked Noncurrent Loans$11.94 million
Real Estate Owned$8.63 million
Historic Data - December 2012
Assets$530.40 million
Equity Capital$68.20 million
Loan Loss Allowance$15.68 million
Unbacked Noncurrent Loans$11.94 million
Real Estate Owned$16.66 million
Profit Margin - Quarterly
Net Interest Margin3.19%
Return on Assets0.26%
Return on Equity1.99%
Interest Income$18.37 million

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First Federal (AR) has 14 locations. Click to view all First Federal (AR) locations.