First Federal Bank
Headquarters: Lake City, Florida
Overview
First Federal Bank is an FDIC-insured bank headquartered in Lake City, Florida. It reported $4.38B in assets and $3.46B in deposits for the period ending March 31, 2026. Bankular currently lists 30 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
December 31, 2025 to March 31, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where First Federal Bank has branches
Explore the cities with the most currently listed locations. Branch hours can change, so confirm current lobby, drive-through and appointment hours with the institution before visiting.
Locations
Find a branch of First Federal Bank
Bonifay Branch
300 N Waukesha St, Bonifay, Florida, 32425
Full-service branch · Opened February 1, 1906
Chipley Branch
1012 Main St, Chipley, Florida, 32428
Full-service branch · Opened December 18, 2006
Chipola Community
4701 Highway 90, Marianna, Florida, 32446
Full-service branch · Opened October 31, 2005
Courier Service
4705 W US Highway 90, Lake City, Florida, 32055
Limited Service: Messenger · Opened June 30, 2022
Address and directions →Courier Service
206 SW 10th St, Ocala, Florida, 34471
Limited Service: Messenger · Opened December 26, 2006
Address and directions →Dowling Park Branch
11035 County Road 136, Dowling Park, Florida, 32060
Full-service branch · Opened March 1, 1990
Financial overview
Latest reported figures
Through March 31, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| March 31, 2026 | $4.38B | $3.46B | $1.36B | 1.22% |
| December 31, 2025 | $4.31B | $3.20B | $1.37B | 0.58% |
| September 30, 2025 | $4.14B | $3.19B | $1.31B | 1.07% |
| June 30, 2025 | $4.19B | $3.21B | $1.36B | 1.02% |
| March 31, 2025 | $3.97B | $3.15B | $1.24B | 1.07% |
| December 31, 2024 | $3.82B | $3.33B | $1.25B | 0.97% |
| September 30, 2024 | $3.95B | $3.24B | $1.28B | 0.98% |
| June 30, 2024 | $4.19B | $3.53B | $1.36B | 0.91% |
Size and reach
How this institution compares
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More on First Federal Bank
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Branch locations
30 listed locations.
Explore →Compare this institution
Compare size, financial metrics, rates and access.
Explore →State banking market
Explore institutions and deposit-market context in Florida.
Explore →Lake City banking market
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Explore →Rankings and research
Place this institution in national and market context.
Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is First Federal Bank federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 31313.
Where is First Federal Bank headquartered?
First Federal Bank is headquartered in Lake City, Florida, at 4705 W Us Highway 90, Lake City, Florida, 32055.
How large is First Federal Bank?
It reported $4.38B in assets and $3.46B in deposits for the period ending March 31, 2026.
How many locations does First Federal Bank have?
Bankular currently lists 30 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.