First Federal Savings and Loan Association of Valdosta

First Federal Savings and Loan Association of Valdosta is an FDIC insured institution headquartered at 411 N Patterson St, Valdosta, GA 31601.
It was founded in 1934 and has approximately $0 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - August 24, 2026

SAVINGS RATES	APY	MIN
Savings	0.15%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.20%	$10,000	Compare
6 Mo CD	0.20%	$100,000	Compare
12 Mo CD	0.50%	$10,000	Compare
12 Mo CD	0.50%	$100,000	Compare
Special: 13 Mo CD	1.00%	$1,000	Compare
24 Mo CD	0.70%	$10,000	Compare
24 Mo CD	0.70%	$100,000	Compare
Special: 25 Mo CD	1.00%	$1,000	Compare
36 Mo CD	0.80%	$10,000	Compare
36 Mo CD	0.80%	$100,000	Compare
Special: 37 Mo CD	1.21%	$1,000	Compare
48 Mo CD	0.90%	$10,000	Compare
48 Mo CD	0.90%	$100,000	Compare
60 Mo CD	1.00%	$10,000	Compare
60 Mo CD	1.00%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.25%	$2,500	Compare
Money Market	0.30%	$10,000	Compare
Money Market	0.35%	$25,000	Compare

INT CHECKING RATES	APY	MIN
Int Ckg	0.01%	$2,500

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 29164
Date Established	1934
Assets	$ 271.93 million
Loans	$ 237.55 million
Deposits	$ 195.53 million
Capital	$ 32.70 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 14.88 million
Interest-bearing balances	$ 13.22 million
Total securities	$ 1.86 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 237.55 million
Loan loss allowance	$ 0.98 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	N.A.
All other assets	$ 9.78 million
Total Assets	$ 239.22 million

LIABILITIES
Total deposits	$ 195.53 million
Interest-bearing deposits	$ 175.40 million
Deposits held in domestic offices	$ 195.53 million
% insured (estimated)"	81.28%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	N.A.
Subordinated debt	N.A.
All other liabilities	$ 4.44 millionn
Total Liabilities	$ 239.22 million
Shareholders’ Equity	$ 32.70 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 15.30 million
Total Interest Expense	$ 5.23 million
Net interest income	$ 10.07 million
Provision for loan and lease losses	$ 0.12 million
Total non interest income	$ 0.91 million
Total non interest expense	$ 9.34 million
Pre-tax Net Operating Income	$ 0.68 million

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