First Federal Savings & Loan Association of Valdosta

Valdosta, GA

Rating Date

June 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	5.50
Capitalization Index	10.00
Liquidity Index	0.30
Profitability Index	3.60
Stability Index	7.10

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	8.23%
5-Year Asset Growth	5.63%
5-Year Charge-Offs to Average Loans	0.01%
Charge-Offs to Average Loans	0.06%
Non-Performing Assets to Assets	1.66%
Non-Performing Loans to Capital	9.57%
Non-Performing Loans to Loans	1.91%

Balance Sheet	First Federal Savings & Loan Association of Valdosta Valdosta, GA	Click to Compare	Click to Compare	Click to Compare
Total Assets	277.57M
Total Deposits	207.26M

Capital and Reserves	First Federal Savings & Loan Association of Valdosta Valdosta, GA	Click to Compare	Click to Compare	Click to Compare
Capital	33.28M
Leverage Ratio	12.17
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	24.00%
Liquidity Ratio	8.20%

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	580.00K
Net Interest Spread	4.13%
Operating Profit to Average Assets	1.11%
Overhead Efficiency Ratio	72.75%
Return on Assets	0.85%
Return on Equity	7.03%