First Federal Bank is a community bank founded in the heart of North Florida in 1962. Today, First Federal is a $2 billion-asset institution offering a full line of personal and business financial solutions, services and loans through full-service banking offices in Florida’s Panhandle, North Central Florida, and coastal South Carolina. In addition, First Federal has mortgage lending offices across the Southeast and Midwest, and SBA and USDA lending offices throughout Florida and in multiple states. First Federal is a mutual savings bank and continues to receive a “5-Star, Superior” financial rating from BauerFinancial, Inc., of Coral Gables, Fla.