First Federal Community Bank

First Federal Community Bank is headquartered in Paris and is the 132^nd largest bank in the state of Texas. It is also the 1,828^th largest bank in the nation. It was established in 1922 and as of September of 2011, it had grown to 95 employees at 4 locations. First Federal Community Bank has a 4-star health rating.

First Federal Community Bank Routing Number: 311972704

First Federal Community Bank Checking Account Rates

First Federal Community Bank Savings Account Rates

First Federal Community Bank CD Rates

First Federal Community Bank IRA Rates

Data for Q3 2011

Institution Statistics First Federal Community Bank OTS # 00100 FDIC Certificate # 27678 BankRate Report View Year Established 1922 Employees 95 Primary Regulator OCC Assets and Liabilities Assets $358.90 million Loans $293.34 million Deposits $312.77 million Equity Capital $31.82 million Loan Loss Allowance $2.65 million Unbacked Noncurrent Loans $1.93 million Real Estate Owned $2.16 million Historic Data - September 2010 Assets $356.53 million Equity Capital $30.17 million Loan Loss Allowance $731,000 Unbacked Noncurrent Loans $2.63 million Real Estate Owned $714,000 Profit Margin - Quarterly Net Interest Margin 4.33% Return on Assets 0.33% Return on Equity 3.83% Interest Income $14.50 million

Institution Health Overall Score: 4 out of 5 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 September 30, 2011 First Federal Community Bank had $4.08 million in non-current loans and owned real-estate with $34.47 million in equity and loan loss allowances on hand to cover it. This gives First Federal Community Bank a Texas Ratio of 11.85% which is above 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 Community Bank held steady from 10.83% as of September 30, 2010 to 11.85% as of September 30, 2011, resulting in a negative change of 9.41%. This indicates that the balance sheet and financial strength for First Federal Community Bank has held steady in recent periods. Deposit Growth In the past year, First Federal Community Bank has increased its total deposits by $10.6 million, resulting in 3.51% 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 Community Bank has shown is above average. Capitalization 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 Community Bank has $358.9 million in assets with $34.47 million in equity, resulting in a capitalization level of 9.61%, which is average.

No reviews have been left for this bank yet. Be the first to review.