First Federal Savings and Loan Association of Valdosta: how it compares with its peers
Against 72 GA banks with half to twice its assets, First Federal Savings and Loan Association of Valdosta's strongest measure in Q2 2026 is assets per employee ($6.5M vs. a $7.0M peer median). Its weakest relative measure is efficiency ratio (73.17% vs. 59.17%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.83% | 1.57% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.17% | 4.57% | Bottom third Ahead of 32% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.17% | 59.17% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $7.0M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 116.67% | 78.41% | Context |
What it means for lending operations
Its efficiency ratio of 73.17% is above the 59.17% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- South Coast Bank & Trust Brunswick, GA · $270M
- The Peoples Bank Eatonton, GA · $270M
- South Georgia Bank Glennville, GA · $270M
- Community Bank of Georgia Baxley, GA · $269M
- Farmers & Merchants Bank Eatonton, GA · $290M
- Georgia First Bank Soperton, GA · $291M
Questions about First Federal Savings and Loan Association of Valdosta
How big is First Federal Savings and Loan Association of Valdosta?
First Federal Savings and Loan Association of Valdosta, established in 1934, is headquartered in Valdosta, GA. It reported $278M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First Federal Savings and Loan Association of Valdosta's return on assets?
0.83% annualized in Q2 2026, against a 1.57% median for 72 GA banks with half to twice its assets, ahead of 14% of them.
What is First Federal Savings and Loan Association of Valdosta's efficiency ratio?
73.17% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 59.17%, and lower is better.
Is First Federal Savings and Loan Association of Valdosta growing its loans?
Net loans grew 10.3% over the year to Q2 2026, while deposits grew 7.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.