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First Federal Bank


First Federal Bank is an FDIC insured institution headquartered at 4705 W Us Highway 90, Lake City, FL 32055.
It was founded in 1961 and has approximately $4 billion in assets. Customers can open an account at one of its 18 branches.

Deposit Rates - June 02, 2026

SAVINGS RATES APY MIN
Savings
0.02% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.12% $10,000 Compare
6 Mo CD
0.18% $100,000 Compare
12 Mo CD
0.14% $10,000 Compare
12 Mo CD
0.24% $100,000 Compare
18 Mo CD
0.16% $10,000 Compare
18 Mo CD
0.25% $100,000 Compare
24 Mo CD
0.22% $10,000 Compare
24 Mo CD
0.25% $100,000 Compare
36 Mo CD
0.23% $10,000 Compare
36 Mo CD
0.26% $100,000 Compare
48 Mo CD
0.24% $10,000 Compare
48 Mo CD
0.27% $100,000 Compare
60 Mo CD
0.25% $10,000 Compare
60 Mo CD
0.35% $100,000 Compare
MM RATES APY MIN
Money Market
0.01% $2,500 Compare
Money Market
0.01% $10,000 Compare
Money Market
0.01% $25,000 Compare




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 31313
Date Established 1961
Assets $ 4.31 billion
Loans $ 1,371.06 million
Deposits $ 3.20 billion
Capital $ 445.53 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 84.18 million
Interest-bearing balances $ 54.52 million
Total securities $ 2.39 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,371.06 million
Loan loss allowance $ 10.95 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.60 million
Goodwill and other intangibles $ 182.25 million
All other assets $ 150.68 million
     Total Assets $ 3.86 billion

LIABILITIES
Total deposits $ 3.20 billion
      Interest-bearing deposits $ 2.64 billion
      Deposits held in domestic offices $ 3.20 billion
      % insured (estimated)" 55.82%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 106.75 million
Subordinated debt N.A.
All other liabilities $ 52.56 millionn
      Total Liabilities $ 3.86 billion
      Shareholders’ Equity $ 445.53 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 188.47 million
Total Interest Expense $ 74.20 million
Net interest income $ 114.28 million
Provision for loan and lease losses $ 3.07 million
Total non interest income $ 55.28 million
Total non interest expense $ 116.91 million
Pre-tax Net Operating Income $ 35.87 million

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