# FINANCIAL FEDERAL BANK
MEMPHIS, TN · FDIC certificate 31840 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.12B | |
| Deposits | $879.7M | |
| Loans and leases | $1.08B | |
| Total equity | $110.2M | |
| Loans / deposits | 121.96% (p98 of band) | 87.10% |
| Liquid assets / assets | 3.08% (p0 of band) | |
| Uninsured deposits / deposits | 22.53% (p23 of band) | 30.76% |
| Brokered deposits | 6.83% | |
| Wholesale funding | 17.69% (p86 of band) | |
| FHLB advances / assets | 10.86% | |
| Tier 1 leverage | 9.92% (p35 of band) | 10.50% |
| Unrealized securities loss / equity | 0.00% (p98 of band) | -7.75% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 1.01% (p31 of band) | 1.26% |
| Net interest margin | 2.62% (p7 of band) | 3.70% |
| Efficiency ratio | 55.51% (p39 of band) | |
| Noncurrent loans | 0.05% (p10 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p44 of band) | |
| Reserve coverage of noncurrent | 1412.59% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 157.86% (p98 of band) | |
| Auto loans | $62,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 67 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **construction >100% equity** (`conc_construction`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, liquid assets <10% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 5 | capital falling, construction >100% equity |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 3 |  | capital falling, construction >100% equity |
| 2012-06 | 4 | construction >100% equity |  |
| 2012-09 | 3 |  | wholesale funding >15% |
| 2012-12 | 2 |  | construction >100% equity |
| 2013-03 | 4 | wholesale funding >15%, charge-offs p90 |  |
| 2013-06 | 4 | deposits shrinking | charge-offs p90 |
| 2013-09 | 3 |  | deposits shrinking |
| 2013-12 | 5 | capital falling, deposits shrinking |  |
| 2014-03 | 4 | construction >100% equity | capital falling, deposits shrinking |
| 2014-06 | 3 |  | construction >100% equity |
| 2014-09 | 5 | capital falling, construction >100% equity |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 4 |  | capital falling |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | capital falling |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 4 |  | capital falling |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 3 |  | construction >100% equity |
| 2017-09 | 4 | uninsured deposits leaving |  |
| 2017-12 | 5 | construction >100% equity |  |
| 2018-03 | 5 | capital falling | uninsured deposits leaving |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 4 |  | wholesale funding >15% |
| 2019-03 | 4 |  |  |
| 2019-06 | 3 |  | construction >100% equity |
| 2019-09 | 4 | construction >100% equity |  |
| 2019-12 | 5 | wholesale funding >15% |  |
| 2020-03 | 2 |  | capital falling, construction >100% equity, wholesale funding >15% |
| 2020-06 | 3 | wholesale funding >15% |  |
| 2020-09 | 4 | capital falling, construction >100% equity | wholesale funding >15% |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 | charge-offs p90 | capital falling |
| 2021-06 | 3 |  | charge-offs p90 |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 5 | wholesale funding >15%, deposits shrinking |  |
| 2022-09 | 4 |  | deposits shrinking |
| 2022-12 | 5 | capital falling |  |
| 2023-03 | 6 | NIM <2.5% |  |
| 2023-06 | 5 |  | capital falling |
| 2023-09 | 5 |  |  |
| 2023-12 | 6 | capital falling |  |
| 2024-03 | 6 |  |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 6 |  |  |
| 2024-12 | 6 |  |  |
| 2025-03 | 5 |  | capital falling |
| 2025-06 | 5 |  |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 4 |  | wholesale funding >15% |
| 2026-03 | 5 | wholesale funding >15%, uninsured deposits leaving | NIM <2.5% |
| 2026-06 | 5 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-08-12 [Memphis-based Orion Federal Credit Union to buy Financial Federal Bank - Banking Dive](https://news.google.com/rss/articles/CBMisAFBVV95cUxQa1ktMHpLempDeGgzYjJobzBGbXU2STNZLXl2UDhGMHBIUGZhdEV3ZndCWVZOR1doTjVoVVpMSHFrbm95aFozWXhqWDFyc0lxb1FtTnlFRzFWa2pSdjduM3N1V01IYVhaYUxiei1JY3JBQ0Z5LVE5aFVBNjJZLU1IYVJteXRQRU1XOUpGOHUwQmdYTklvaFY4eXJqaUFXM2I4NE8zZDRkcDQzb2lZSnpTTQ?oc=5) · Banking Dive
- 2025-02-21 [Orion, Financial Federal deal is dead - Daily Memphian](https://news.google.com/rss/articles/CBMijwFBVV95cUxPeXRGT0UzM3V2aDJia0RVa21DZXVHQlZBVTdvYm5GaVRqU2NLQVhfZlJzVXhnX2kzWS1uUTE2ZUg4WHI5MkVLSHJTREMzNDV1ZWJRZzFtNXlvREo5NmxPM3g2SHZOV09EOWlNNGllYVNQdnI0eDVQcmtkd3E0ejVCZGlrbk1yYV8yVjlWZVpfSQ?oc=5) · Daily Memphian
- 2024-11-25 [Pinnacle Adds Three New Associates in Memphis Region - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMikwFBVV95cUxQT3pYeDhBOERSTklVNDhBUTRMNC1kS3hrOHp2aDhxOFJQQ1V4SHVpcUVwNGdycUJoSFVXYURaNjdPVWdPSW9CM19hT2lFNzUxV2FWM1RkVHhmbEo4LTFZWkJlclFJeDVBOVd0SW5NMVNvbXdzZWU3Q2tWdlN2ek1iZWZ5ekgxZ2xrZC1wUjdhUXVrY0U?oc=5) · Pinnacle Financial Partners
- 2021-08-11 [Memphis credit union to nearly double in size with deal for rival bank - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOX3RMWjJXMDl1VlpfYi1tR1BPUDZSaFE5Z0I0czFpX1dmcXlOQnU0alJZSkJNNFRNUDBmcXktdEpBeVdybTJjOGNIWXhPN1dWWFlSalE2ZlExSU42OE5YeDY5cnc1U01VY3hVU1FmZVBrZ0lQaVo5MWp5emU4MGljRzQwcUE2RkFKQkc1QlVTRFNqVmVkMXJDb1pqSUx3YkhKU194M1ZrbG4yZXVNQnFuS0NQVXBIMlhDZ1hj?oc=5) · American Banker
- 2025-08-11 [Memphis bank names new CEO; eclipses $1B in assets - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNeV8wRmVhTE1sejNFdzNVWU9aNEZtVXZtcVNTTGdOLVE5aGxLcFFDTVFYTlRTN3Z4MmlIRTlmRUw5ZmpSU3BBRDkwdXpjdkhyU1lkTm9xRFVsRnNta1pMWUFHaS1CTUgxTVhVWm5HNGt5M0VLTmZzYnE3T1JXLTVIOGU1bWlJN0RNZXl1UWZ6T0hPRE1JOGRqWHA5RHczQXpkcDM0?oc=5) · The Business Journals
- 2021-12-06 [Regulators aren’t the only reason bank deals are stalling - Banking Dive](https://news.google.com/rss/articles/CBMixAFBVV95cUxPTW9aMHh5SkNlMUhLOVNvRUFObUVnZzMwRVctNEZQX0V0dzM3SF9oSFJEYzBxZTlYTkFPbDBPR2xiSnMzY0FQV0QxR1oxeUt5R1FZZWxsakh3bjdHWGF0QjBTVHpWYnF0alI4blcxXzhfNklyRXJOejU2OFdORUpIay1kcFZPWUdkRUJwTHMwOUVmZTRpeHRjbkkwclA2SENNWEduYzVxc29MVi1XWVpWQVYzWHp1TjFjMDlJeUNlWXNuX3lG?oc=5) · Banking Dive
- 2022-06-27 [Tennessee tries again to block bank's sale to credit union - American Banker](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNN2NOd2x2ZnNxeU5fak5ERUg4VGhMNndtcDBKYVdUN19kQTVUTlMtaFlOY1BQRjBmWHlEZGhXR0c1SDRkODBZLXVuV24wa2YxdjFQVHMtVXQzRFFBdmYzSlozb0NNUFJSM0xrRFFxOVE1RzNiUjhHRzVHOGdaWUdud3FULVV6dWR6eVRFbGNSZ3BtX1Z6ek9TYTBEdGEzSjdWR2ZrOHZDdk04QQ?oc=5) · American Banker
- 2026-02-10 [Kent Wunderlich Obituary (2026) - Memphis, TN - The Daily Memphian - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOenNMVWFhakVxbHJ4RmMzWkFsWjViQUtPUFFaQjBvRDNPQi1XWWVCd2NRWVJCSUxoNFFIWjM1YlNnTVFpOUhQVUJLTTF5SGsyTHNDWlhMOTNlbk95Sng4OXZsalh3MDItRVRaMHdzeUtNWXowVURGaUt1eTc3NmM4YW90cUpCWjl6RXdzSWV5UFJDWmp3Vm5j?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31840 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "31840", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide