Our History

We've got a story to tell.

Original Board of Directors, 1962





In 1962, a group of businessmen in a small town in North Florida united together to form First Federal Savings and Loan Association of Live Oak, as a way to provide home loans and savings accounts to their neighbors. Their passion for our local community and drive to give them the best service around has led First Federal Bank of Florida to what it is today.

After steady growth in the 1960s, First Federal expanded into Hamilton, Lafayette, and Columbia Counties by the 1980s, and offered its first checking account. By 2010, we expanded our reach within our existing market area, opened the John S. Flood Financial Center (Operations), and new branches in Nassau and Baker Counties. In the early 2010s, First Federal expanded to the Florida Panhandle with branches in Holmes, Jackson, and Washington Counties. Our most recent branch opened in 2016 in Panama City, Florida.

From the start, First Federal has been equally committed to exceptional service and value. Today, we are a community-based mutual bank that serves over 60,000 customers from 17 branches and 2 loan offices across North Florida. Because we are a mutual bank, we are owned by our customers and not stockholders, which allows us to be more focused on our customers’ needs.

Built on conservative yet progressive principles, over the past 5 years, First Federal has increased its business lines to include a mortgage processing company, wholesale lending, warehouse lending, consumer direct lending, and a manufactured housing lending division. This diversity has allowed First Federal to reach more people across the Southeast.

The common thread that runs through all of this is First Federal’s passion to be committed to helping our neighbors and local communities thrive. We offer a range of products and services aimed at giving our customers all the tools they need to live full lives and run successful businesses.










Our financial stability is important to us, because we know how important it is to our communities.

We have been ranked “5 Star, Superior” by BauerFinancial, since 2000*.

*BauerFinancial, Inc. is an independent rating company, from Coral Gables, Florida. Click here for more info.
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