First Federal Savings & Loan Association of Valdosta

Valdosta, GA

Rating Date

March 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
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Total
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Capital

Total
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Weiss Ratings	First Federal Savings & Loan Association of Valdosta Valdosta, GA	Click to Compare	Click to Compare	Click to Compare
Rating	D
Asset Quality Index	5.20
Capitalization Index	10.00
Liquidity Index	0.30
Profitability Index	3.20
Stability Index	7.00

Company Info	First Federal Savings & Loan Association of Valdosta Valdosta, GA	Click to Compare	Click to Compare	Click to Compare
FDIC Number	29164
Phone Number	(229) 244-0164
Website	www.1stfederalvaldosta.com

Asset Quality	First Federal Savings & Loan Association of Valdosta Valdosta, GA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	9.17%
5-Year Asset Growth	5.63%
5-Year Charge-Offs to Average Loans	0.01%
Charge-Offs to Average Loans	0.04%
Non-Performing Assets to Assets	2.09%
Non-Performing Loans to Capital	14.47%
Non-Performing Loans to Loans	2.38%

Balance Sheet	First Federal Savings & Loan Association of Valdosta Valdosta, GA	Click to Compare	Click to Compare	Click to Compare
Total Assets	271.93M
Total Deposits	195.53M

Capital and Reserves	First Federal Savings & Loan Association of Valdosta Valdosta, GA	Click to Compare	Click to Compare	Click to Compare
Capital	32.70M
Leverage Ratio	12.26
Loan Loss Reserves to Loans	0.41%
Risk-Based Capital Ratio	--

Liquidity	First Federal Savings & Loan Association of Valdosta Valdosta, GA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	23.84%
Liquidity Ratio	7.00%

Profitability	First Federal Savings & Loan Association of Valdosta Valdosta, GA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.23%
Net Income	1.19M
Net Interest Spread	4.20%
Operating Profit to Average Assets	0.59%
Overhead Efficiency Ratio	85.11%
Return on Assets	0.46%
Return on Equity	3.66%