Financial Statement

Assets

Table comparing assets from the previous two full years
	September 30, 2025	September 30, 2024
Cash and cash equivalents	$82,764,516	$18,407,985
Securities and investments	$142,128,506	$179,655,384
Residential loans	$274,281,405	$266,928,719
Commercial loans	$127,567,526	$121,715,401
Construction and land loans	$11,409,643	$20,716,923
Consumer loans	$450,570	$586,674
Net deferred loan fees	($1,892,613)	($768,510)
Allowance for loan losses	($4,220,000)	($4,045,000)
Total loans, net	$407,596,531	$405,134,207
Premises and equipment, net	$19,484,565	$18,979,280
Other assets	$15,954,009	$17,258,077
TOTAL ASSETS	$667,928,127	$639,434,933

Liabilities and Equity

Table of liabilities and equity
	September 30, 2025	September 30, 2024
Total deposits	$566,823,610	$548,423,232
Short-term borrowings	-	-
Long-term borrowings	$19,645,000	$15,800,000
Other liabilities	$9,540,841	$8,751,252
Total equity	$71,918,676	$66,460,449
TOTAL LIABILITIES AND EQUITY	$667,928,127	$639,434,933

The Federal Deposit Insurance Corporation, an agency of the United States Government, insures all depositors up to $250,000 in accordance with the rules and regulations of the FDIC.

This information is based upon our audited financial statements. If you would like more financial information on First Federal, click here to access the FDIC's website database.

Community Reinvestment Act (CRA) Public File

In accordance with the Community Reinvestment Act (CRA) Regulation , First Federal is required to maintain and, upon request, make available for public inspection a complete Community Reinvestment Act Public File.

CRA Public File