First Federal Savings & Loan Association of Valdosta

Valdosta, GA

Rating Date

April 2025

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	C
Asset Quality Index	5.30
Capitalization Index	10.00
Liquidity Index	0.50
Profitability Index	3.00
Stability Index	6.90

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	13.47%
5-Year Asset Growth	6.33%
5-Year Charge-Offs to Average Loans	0.03%
Charge-Offs to Average Loans	0.02%
Non-Performing Assets to Assets	1.95%
Non-Performing Loans to Capital	12.42%
Non-Performing Loans to Loans	2.31%

Balance Sheet	First Federal Savings & Loan Association of Valdosta Valdosta, GA	Click to Compare	Click to Compare	Click to Compare
Total Assets	249.08M
Total Deposits	189.20M

Capital and Reserves	First Federal Savings & Loan Association of Valdosta Valdosta, GA	Click to Compare	Click to Compare	Click to Compare
Capital	31.47M
Leverage Ratio	12.69
Loan Loss Reserves to Loans	0.45%
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	22.24%
Liquidity Ratio	10.66%

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	0.20%
Net Income	940.00K
Net Interest Spread	4.32%
Operating Profit to Average Assets	0.53%
Overhead Efficiency Ratio	86.79%
Return on Assets	0.41%
Return on Equity	3.01%