First Federal Savings & Loan Association of Valdosta

Valdosta, GA

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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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	5.80
Capitalization Index	10.00
Liquidity Index	0.10
Profitability Index	4.30
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	9.16%
5-Year Asset Growth	6.33%
5-Year Charge-Offs to Average Loans	0.01%
Charge-Offs to Average Loans	0.04%
Non-Performing Assets to Assets	1.91%
Non-Performing Loans to Capital	8.51%
Non-Performing Loans to Loans	2.12%

Balance Sheet	First Federal Savings & Loan Association of Valdosta Valdosta, GA	Click to Compare	Click to Compare	Click to Compare
Total Assets	259.75M
Total Deposits	189.70M

Capital and Reserves	First Federal Savings & Loan Association of Valdosta Valdosta, GA	Click to Compare	Click to Compare	Click to Compare
Capital	33.04M
Leverage Ratio	12.88
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	23.12%
Liquidity Ratio	5.64%

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	1.53M
Net Interest Spread	4.24%
Operating Profit to Average Assets	1.05%
Overhead Efficiency Ratio	74.71%
Return on Assets	0.81%
Return on Equity	6.33%