Total Assets
$272M
Total balance-sheet footings
FDIC Cert #29164 · Valdosta, Georgia · Est. 1934
First Federal Savings and Loan Association of Valdosta - FDIC Bank Health Profile
A community-scale look at First Federal Savings and Loan Association of Valdosta's own numbers, pulled straight from its quarterly FDIC Call Report.
- $272M
- Total assets
- C
- Health grade · Fair
- 0.46%
- Return on assets
- 12.3%
- Tier 1 capital
Data updated July 2026
The verdict
First Federal Savings and Loan Association of Valdosta earns a PlainBankData health grade of C (58/100), with well-capitalized at 12.26% Tier 1, 0.46% ROA, 85% efficiency ratio.
- #2,635
- largest of 4,313 FDIC banks by assets
- 39th
- percentile by asset size, nationally
- 12.26%
- Tier 1 ratio - above the 10% well-capitalized line
- 14th
- 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.
How First Federal Savings and Loan Association of Valdosta's 58/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Federal Savings and Loan Association of Valdosta's composite health score
Tier 1 Capital Ratio (12.26%) 35/40
Return on Assets (ROA) (0.46%) 7/25
Texas Ratio (11.65%) 16/20
Efficiency Ratio (85.11%) 0/15
58 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$196M
Customer-funded liabilities
Net Loans
$238M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Federal Savings and Loan Association of Valdosta ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Federal Savings and Loan Association of Valdosta's score of 58/100 falls in the highlighted band.
First Federal Savings and Loan Association of Valdosta'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). First Federal Savings and Loan Association of Valdosta's $272M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.26% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.26%
Texas Ratio
11.65%
Equity Capital
$33M
Profitability metrics
Return on Assets (ROA)
14th percentile nationally
0.46%
Return on Equity (ROE)
3.66%
Efficiency Ratio
85.11%
What the numbers say about First Federal Savings and Loan Association of Valdosta
First Federal Savings and Loan Association of Valdosta is an FDIC-insured institution (Certificate #29164) headquartered in Valdosta, Georgia, established in 1934. It holds $272M in total assets - 2,635th of 4,313 FDIC-insured banks, $196M in customer deposits, and $238M in net loans. Capital-wise, the Tier 1 ratio sits at 12.26%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 11.65%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (58 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Federal Savings and Loan Association of Valdosta sits 77th of 129 banks headquartered in Georgia by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$15M
Interest Income
$908K
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Federal Savings and Loan Association of Valdosta reports a Texas Ratio of 11.65% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.65% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Federal Savings and Loan Association of Valdosta (FDIC Cert #29164) - 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.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
Frequently asked questions
What is First Federal Savings and Loan Association of Valdosta's health grade?▼
First Federal Savings and Loan Association of Valdosta receives a health grade of C (58/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Federal Savings and Loan Association of Valdosta?▼
First Federal Savings and Loan Association of Valdosta holds $272M in total assets and $196M in deposits, ranking 2,635th of 4,313 FDIC-insured banks by asset size. It is headquartered in Valdosta, Georgia.
Is my money safe at First Federal Savings and Loan Association of Valdosta?▼
Yes, deposits at First Federal Savings and Loan Association of Valdosta (Certificate #29164) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Federal Savings and Loan Association of Valdosta's Tier 1 Capital Ratio?▼
First Federal Savings and Loan Association of Valdosta has a Tier 1 Capital Ratio of 12.26%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Federal Savings and Loan Association of Valdosta?▼
First Federal Savings and Loan Association of Valdosta has a Texas Ratio of 11.65%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Federal Savings and Loan Association of Valdosta?▼
First Federal Savings and Loan Association of Valdosta has an Efficiency Ratio of 85.11%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Federal Savings and Loan Association of Valdosta's profile as a depositor or analyst.
- First Federal Savings and Loan Association of Valdosta's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Federal Savings and Loan Association of Valdosta against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.