Bank · FDIC insured
First Federal Savings & Loan
A $381.4M bank headquartered in Pascagoula, MS, with 6 branches in Mississippi. Best rates: CDs 4.00% and savings 2.65% APY.
First Federal Savings & Loan Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#10 of 18 in Gulfport, MS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Federal Savings & Loan
- Headquarters
- 903 Jackson Ave, Pascagoula, MS 39567
- FDIC certificate
- 30812 ↗
Branches
6 branches in Mississippi
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Mississippi
6 branches
- First Federal Savings and Loan AssociationMain office903 Jackson Ave, Pascagoula, MS 39567Directions
- 2601 Hwy 90 Branch1414 Highway 90, Gautier, MS 39553Directions
- Hurley Branch21505 Highway 613, Hurley, MS 39555Directions
- 4201 Bellview Branch4201 Bellview Ave, Moss Point, MS 39563Directions
- 3905 Beinville Boulevard Branch3905 Bienville Blvd, Ocean Springs, MS 39564Directions
- Vancleave Branch10900 Highway 57, Vancleave, MS 39565Directions
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 | 9.72% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.16% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.42% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $112 | $81 | — |
- CapitalLeverage ratio9.72%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.16%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.42%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$112Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 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 Savings & Loan are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.