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First Federal Bank (FL)


Overview / Commentary
www.ffbf.com
386-362-3433
804 South Ohio Avenue
Live Oak, FL 32064

First Federal Bank (FL) is headquartered in Lake City and is the 12th largest bank in the state of Florida. It is also the 407th largest bank in the nation. It was established in 1961 and as of December of 2019, it had grown to 817 employees at 27 locations. First Federal Bank (FL) has an A health rating.

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Health
A

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #31313
Year Established1961
Employees817
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.34%
Return on Equity - YTD11.04%
Annual Interest Income$85.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$2.18B$1.81B
LoansQ4 2019vs Q4 2018$1.24B$1.05B
DepositsQ4 2019vs Q4 2018$1.80B$1.56B
Equity CapitalQ4 2019vs Q4 2018$264.9MM$210.8MM
Loan Loss AllowanceQ4 2019vs Q4 2018$5.9MM$5.5MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$12.1MM$3.5MM
Real Estate OwnedQ4 2019vs Q4 2018$1.5MM$2.7MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Federal Bank (FL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$10k*-Health Savings Account
OTHER TIERS: 0.01% → Up to $10k
0.02%$1k-Regular Savings
0.02%$5-Student Savers
0.02%$1k-Business Savings
0.02%$1k-Christmas Club Account
0.02%$1k-Vacation Club Account

First Federal Bank (FL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.24%*$1m*-Cash Management
OTHER TIERS: 0.01% → Up to $50k | 0.05% → $50k - $250k | 0.08% → $250k - $750k | 0.14% → $750k - $1m
0.24%*$1m*-Business Cash Management
OTHER TIERS: 0.01% → Up to $50k | 0.05% → $50k - $250k | 0.08% → $250k - $750k | 0.14% → $750k - $1m

First Federal Bank (FL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$50k*-Elite Checking
OTHER TIERS: 0.01% → $5k - $50k
0.01%$5k-Interest Checking

First Federal Bank (FL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$100k*-60 Month CD
OTHER TIERS: 0.25% → $1k - $50k | 0.30% → $50k - $100k
0.27%*$100k*-48 Month CD
OTHER TIERS: 0.24% → $1k - $50k | 0.25% → $50k - $100k
0.26%*$100k*-36 Month CD
OTHER TIERS: 0.23% → $1k - $50k | 0.24% → $50k - $100k
0.25%*$100k*-18 Month CD
OTHER TIERS: 0.16% → $1k - $50k | 0.22% → $50k - $100k
0.25%*$100k*-24 Month CD
OTHER TIERS: 0.22% → $1k - $50k | 0.23% → $50k - $100k
0.24%*$100k*-12 Month CD
OTHER TIERS: 0.14% → $1k - $50k | 0.20% → $50k - $100k
0.18%*$100k*-182 Day CD
OTHER TIERS: 0.12% → $1k - $50k | 0.15% → $50k - $100k
0.12%*$100k*-91 Day CD
OTHER TIERS: 0.04% → $1k - $50k | 0.10% → $50k - $100k
0.05%*$50k*-30 Day CD
OTHER TIERS: 0.03% → $1k - $50k
Locations

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