Bank · FDIC insured
First Federal Bank
A $4.5B bank, the 304th largest of 4,207, headquartered in Lake City, FL, with 26 branches in 2 states. Best rates: CDs 1.07% and savings 0.01% APY.
First Federal Bank Carrot Score
60
Carrot Score
Higher than 1% of U.S. banks and credit unions
#28 of 29 in Jacksonville, FL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Federal Bank
First Federal Bank provides business and commercial financing, offering specialized services including SBA lending and warehouse lending.
- Headquarters
- 4705 W Us Highway 90, Lake City, FL 32055
- FDIC certificate
- 31313 ↗
Branches
26 branches in 2 states
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Florida
25 branches
Jacksonville area · 5
- Fernandina Main Office Branch1891 S 14th St, Fernandina Beach, FL 32034Directions
- Touchton Road Branch9700 Touchton Road, Jacksonville, FL 32246Directions
- Macclenny Branch784 S 6th St, Macclenny, FL 32063Directions
- Wildlight Branch40 Floco Ave, Yulee, FL 32097Directions
- Yulee Branch463845 State Road 200, Yulee, FL 32097Directions
Lake City area · 3
- First Federal BankMain office4705 W Us Highway 90, Lake City, FL 32055Directions
- 1255 South First Street Branch707 Sw Main Blvd, Lake City, FL 32025Directions
- Highway 90 W. Branch2571 W Us Highway 90, Lake City, FL 32055Directions
Ocala area · 3
- Hwy 40 Branch5860 W Highway 40, Ocala, FL 34482Directions
- Ocala First Avenue Branch910 Sw 1st Ave, Ocala, FL 34471Directions
- On Top Of The World Branch8399 Sw 80th St, Ocala, FL 34481Directions
Panama City area · 2
- Chipley Branch1012 Main St, Chipley, FL 32428Directions
- First Federal Bank Of Florida Branch415 N Richard Jackson Blvd, Panama City, FL 32407Directions
Gainesville area · 2
- Gainesville4200 Sw 34th St, Gainesville, FL 32608Directions
- Oak Hammock Branch5100 Sw 25th Blvd, Gainesville, FL 32608Directions
Live Oak area · 2
- Live Oak Branch1102 Ohio Ave N, Live Oak, FL 32064Directions
- South Ohio Avenue Branch804 Ohio Ave S, Live Oak, FL 32064Directions
Marianna area · 2
- Chipola Community Branch4701 Highway 90, Marianna, FL 32446Directions
- Marianna West Office4215 Lafayette St, Marianna, FL 32446Directions
Bonifay area · 1
- Bonifay Branch300 N Waukesha St, Bonifay, FL 32425Directions
Dowling Park area · 1
- Dowling Park Branch11035 County Road 136, Dowling Park, FL 32060Directions
Graceville area · 1
- Graceville Branch962 8th Ave, Graceville, FL 32440Directions
Jasper area · 1
- Jasper Branch507 Hatley St W, Jasper, FL 32052Directions
Mayo area · 1
- Highway 51 N. Branch187 N Fletcher Ave, Mayo, FL 32066Directions
Starke area · 1
- Starke Branch841 S Walnut St, Starke, FL 32091Directions
South Carolina
1 branch
- Sea Island Branch36 Sea Island Pkwy, Beaufort, SC 29907Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.83% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 2.96% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.19% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $42 | $88 | — |
- CapitalLeverage ratio10.83%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent2.96%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.19%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$42Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Federal Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.