First Federal Savings & Loan Association of Valdosta

Valdosta, GA

Rating Date

August 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

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	5.00
Capitalization Index	10.00
Liquidity Index	0.20
Profitability Index	4.20
Stability Index	3.70

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	10.52%
5-Year Asset Growth	5.63%
5-Year Charge-Offs to Average Loans	0.01%
Charge-Offs to Average Loans	0.02%
Non-Performing Assets to Assets	2.33%
Non-Performing Loans to Capital	15.68%
Non-Performing Loans to Loans	2.65%

Balance Sheet	First Federal Savings & Loan Association of Valdosta Valdosta, GA	Click to Compare	Click to Compare	Click to Compare
Total Assets	278.50M
Total Deposits	208.54M

Capital and Reserves	First Federal Savings & Loan Association of Valdosta Valdosta, GA	Click to Compare	Click to Compare	Click to Compare
Capital	33.86M
Leverage Ratio	12.26
Loan Loss Reserves to Loans	0.42%
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	24.45%
Liquidity Ratio	7.21%

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	0.32%
Net Income	1.15M
Net Interest Spread	4.16%
Operating Profit to Average Assets	1.10%
Overhead Efficiency Ratio	73.17%
Return on Assets	0.84%
Return on Equity	6.92%