First Federal Cmty Bank SSB
Paris, Texas · FDIC Cert #27678
First Federal Cmty Bank SSB is an FDIC-insured bank (Certificate #27678) with $559M in total assets and $488M in total deposits as of the Q2 2024 Call Report. Headquartered in Paris, Texas, the bank maintains a Tier 1 capital ratio of 16.80% (Well-Capitalized) and a nonperforming loan ratio of 1.29%. BankHealthData assigns a composite Health Grade of B (71/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Federal Cmty Bank SSB (FDIC cert 27678) is a community bank — $559M in total assets, $488M in deposits, serving the Paris, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 16.80% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.29% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 12.5% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.00% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. First Federal Cmty Bank SSB carries a composite BankHealth grade of B (71/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Federal Cmty Bank SSB
- Total Assets
- $559M
- Total Deposits
- $488M
- Tier 1 Capital Ratio
- 16.80%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.29%
- Liquidity Ratio
- 12.54%
- Return on Assets
- 1.00%
- Headquarters
- Paris, Texas
- FDIC Certificate
- #27678
- Health Grade
- B (71/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Federal Cmty Bank SSB holds a Tier 1 capital ratio of 16.80%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Federal Cmty Bank SSB has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Federal Cmty Bank SSB shows strong financial health indicators. With $559M in assets and a Health Score of 71/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Federal Cmty Bank SSB Compares
First Federal Cmty Bank SSB’s Health Score of 71 is 3 points below the Texas state average of 74 across 321 FDIC-insured banks. Its 16.80% Tier 1 capital ratio is 2.8 points above the US banking industry average near 14%. The 1.29% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.00% is below the national ROA benchmark of ~1.1%. Among 1410 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, First Federal Cmty Bank SSB is 1 points above the portfolio average of 70.
Frequently Asked Questions
First Federal Cmty Bank SSB has a Bank Health Score of B (71/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 16.80%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Federal Cmty Bank SSB's Tier 1 capital ratio of 16.80% and nonperforming loan ratio of 1.29% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Federal Cmty Bank SSB is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #27678). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Federal Cmty Bank SSB holds $559M in total assets and $488M in total deposits. It is headquartered in Paris, Texas (FDIC Certificate #27678).
First Federal Cmty Bank SSB has a Tier 1 capital ratio of 16.80%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.29%, and the return on assets is 1.00%.
Yes. First Federal Cmty Bank SSB is FDIC-insured (Certificate #27678). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Federal Cmty Bank SSB's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.