FDIC Cert #31840 · Memphis, Tennessee · Est. 1973

Financial Federal Bank - FDIC Bank Health Profile

A community-scale look at Financial Federal Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.1B
Total assets
C
Health grade · Fair
0.73%
Return on assets
9.7%
Tier 1 capital

Data updated July 2026

The verdict

Financial Federal Bank earns a PlainBankData health grade of C (60/100), with 9.73% Tier 1 capital, 0.73% ROA, 63% efficiency ratio.

#961
largest of 4,313 FDIC banks by assets
78th
percentile by asset size, nationally
9.73%
Tier 1 ratio - below the 10% well-capitalized line
26th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 31840 · TN C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3762/4307
  • PHOTO-FINISH CBL State Savings Bank · SC
  • TIER1-ADEQ 9.7% Tier 1
  • TEXAS-CLEAN 2.1% Texas
  • ROA-THIN 0.73% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Tennessee: CBL State Savings Bank, SC (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Financial Federal Bank

Lowest and highest poles plus nearest scored peers outside Tennessee, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100CBL State Savings Bank · SC …60/100Financial Federal Bank · TN …60/100First Federal Saving… · CA ·…60/100Jackson Savings Bank… · NC ·…60/100New Foundation Savin… · OH ·…60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Financial Federal Bank · July 2026

What Financial Federal Bank's Call Report plate shows

Financial Federal Bank (FDIC Cert #31840) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,762 of 4,307. Tier 1 capital prints at 9.73%, missing the 10% well-capitalized line. The Texas Ratio is 2.13%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.73%. Balance-sheet scale is $1.1B, 961st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is CBL State Savings Bank (SC), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Financial Federal Bank

7 FAILURE resolutions in Tennessee since 2000 (6 since 2008)

Financial Federal Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Financial Federal Bank remains an active FDIC-insured reporter.

  • TRUST COMPANY BANK MEMPHIS, TN 2016 → THE BANK OF FAYETTE COUNTY
  • COMMUNITY SOUTH BANK PARSONS, TN 2013 → CB&S BANK, INC.
  • MOUNTAIN NATIONAL BANK SEVIERVILLE, TN 2013 → FIRST TENNESSEE BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Tennessee banks.

How Financial Federal Bank's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
Financial Federal Bank's composite health score
Tier 1 Capital Ratio (9.73%) 18/40
Return on Assets (ROA) (0.73%) 14/25
Texas Ratio (2.13%) 20/20
Efficiency Ratio (62.92%) 8/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.1B

Total balance-sheet footings

Total Deposits

$874M

Customer-funded liabilities

Net Loans

$1.0B

Outstanding loan book

Net Income

$8M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.33% 9.73% 11.13%
Basel III capital ratios - Financial Federal Bank

Where Financial Federal Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Financial Federal Bank's score of 60/100 falls in the highlighted band.

Financial Federal Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 13th percentile higher than 13% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Financial Federal Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Financial Federal Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Financial Federal Bank's $1.1B falls in the highlighted band.

Safety ratios for Financial Federal Bank

Tier 1 capital ratio
Well-capitalized 10%

9.73% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.73%
Texas Ratio
2.13%
Equity Capital
$107M

What these ratios mean →

Profitability metrics: Financial Federal Bank

Return on Assets (ROA)
26th percentile nationally
0.73%
Return on Equity (ROE)
7.46%
Efficiency Ratio
62.92%

What these mean →

Income & expense at Financial Federal Bank

$66M
Interest Income
$2M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Financial Federal Bank reports a Texas Ratio of 2.13% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.13% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Financial Federal Bank on FDIC BankFind →

Top banks in Tennessee by total assets

Largest banks headquartered in Tennessee
  1. 1
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  2. 2
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

  3. 3
    FirstBank $16.3B

    Nashville, TN · Grade B

  4. 4
    Wilson Bank and Trust $5.9B

    Lebanon, TN · Grade A

  5. 5
    SmartBank $5.9B

    Pigeon Forge, TN · Grade B

Top 5 banks in Tennessee ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.1B here), outside Tennessee so the neighborhood is not state containment.

BNC National Bank $1.1B · AZ The First National Bank of Bastrop $1.1B · TX First Bank of Berne $1.1B · IN Sound Community Bank $1.1B · WA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Financial Federal Bank (FDIC Cert #31840) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Financial Federal Bank Call Report profile · FDIC Failed Bank List · Tennessee FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Tennessee

All Tennessee banks →
BankAssetsGradeROA
First Horizon BankMemphis $83.6B B 1.35%
Pinnacle BankNashville $57.6B A 1.25%
FirstBankNashville $16.3B B 0.89%
Wilson Bank and TrustLebanon $5.9B A 1.38%
SmartBankPigeon Forge $5.9B B 1.00%
SouthEast BankFarragut $3.5B C 0.68%
Home Federal Bank of TennesseeKnoxville $2.7B C 0.21%
Builtwell BankChattanooga $2.3B A 2.07%