First Federal Community Bank

Overview / Commentary

www.ffcbank.com

903-784-0881

630 Clarksville St
Paris, TX 75460

First Federal Community Bank is headquartered in Paris and is the 157^th largest bank in the state of Texas. It is also the 1,653^rd largest bank in the nation. It was established in 1922 and as of June of 2022, it had grown to 85 employees at 4 locations. First Federal Community Bank's CD rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	27678
Year Established	1922
Employees	85
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.7%
Return on Equity - YTD	6.53%
Annual Interest Income	$9.2MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$538.4MM$533.2MM
Loans	Q2 2022vs Q2 2021	$422.8MM$400.8MM
Deposits	Q2 2022vs Q2 2021	$472.4MM$464.9MM
Equity Capital	Q2 2022vs Q2 2021	$57.9MM$56.6MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$4.6MM$4.1MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$3.4MM$4.8MM
Real Estate Owned	Q2 2022vs Q2 2021	$0$83.00K

Rates

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Savings
Money Market
Checking
CD

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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 Community Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.45%	$100	-	Savings
0.45%	$100	-	Christmas Club Savings

First Federal Community Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.11%^*	$1m^*	-	Money Market Deposit Checking Account
OTHER TIERS: 0.40% → $100 - $10k \| 0.45% → $10k - $25k \| 0.60% → $25k - $100k \| 0.80% → $100k - $250k \| 0.90% → $250k - $500k \| 1.01% → $500k - $1m

First Federal Community Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%^*	$1m^*	-	First Preferred Checking
OTHER TIERS: 0.30% → $500 - $10k \| 0.40% → $10k - $25k \| 0.50% → $25k - $100k \| 0.55% → $100k - $250k \| 0.70% → $250k - $500k \| 0.80% → $500k - $1m
0.70%^*	$1m^*	-	First Select Checking (formerly NOW Account)
OTHER TIERS: 0.25% → $100 - $10k \| 0.30% → $10k - $25k \| 0.35% → $25k - $100k \| 0.40% → $100k - $250k \| 0.55% → $250k - $500k \| 0.60% → $500k - $1m
0.45%	-	$25k	First Reward Checking

First Federal Community Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.16%	$500	-	15 Month CD
3.73%	$500	-	9 Month CD
2.42%	$1k	-	2 Year CD
2.42%	$1k	-	30 Month CD
2.42%	$1k	-	Business 2 Year CD
2.42%	$1k	-	Business 30 Month CD
2.32%	$1k	-	3 Year CD
2.32%	$1k	-	Business 3 Year CD
2.27%	$1k	-	18 Month CD
2.27%	$1k	-	Business 18 Month CD
2.12%	$1k	-	1 Year CD
2.12%	$1k	-	Business 1 Year CD
2.02%	$1k	-	4 Year CD
2.02%	$1k	-	Business 4 Year CD
1.91%	$1k	-	182 Day CD
1.91%	$1k	-	5 Year CD
1.91%	$1k	-	Business 182 Day CD
1.91%	$1k	-	Business 5 Year CD
1.61%	$1k	-	91 Day CD
1.61%	$1k	-	Business 91 Day CD

Locations

First Federal Community Bank Locations
1902 W Main	1902 W Main	Clarksville, TX 75426
Paris Branch	3010 Ne Loop 286	Paris, TX 75460
First Federal Community Bank	630 Clarksville St	Paris, TX 75460
Mount Pleasant Branch	805 North Madison	Mount Pleasant, TX 75455

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