Flag Day is almost here, and it's the perfect time to reflect on the symbols, traditions, and history that have shaped our nation.                                                                                         Before the America250 celebrations begin, take a moment to explore our latest blog and discover a few fascinating facts you may not know about this uniquely American holiday. The Journey to 250: hubs.ly/Q04kZnxR0

Florida is consistently ranked one of the worst states for fraud. ⚠️ We’re partnering with the Attorney General’s office to fix that – learn more: hubs.ly/Q04lgD3t0

In case you missed it, First Federal Bank President & CEO, John Medina recently sat down with The Gateway Connection, presented by Security Safe Company, to discuss leadership, giving back to the community, and the experiences that have shaped his professional journey. Take a moment to listen to the episode below. hubs.ly/Q04lgrFp0

💥 When your child becomes a Super Saver, their savings will soar!🦸‍♂️🦹‍♀️ Every child has the power to build a brighter financial future, and our Student Savers Account unlocks their money-saving superpowers. Visit your local First Federal Bank branch to open a Student Savers account and receive a piggy bank to start their savings journey.

First Federal Bank President & CEO, John Medina was featured on the latest episode of The Gateway Connection, presented by Security Safe Company. In this conversation, John reflects on the experiences that have shaped his leadership journey, the importance of serving the communities we call home, and the lessons he’s learned through both business and civic leadership. At First Federal Bank, we believe strong communities are built through intentional leadership, meaningful relationships, and a commitment to making a positive impact. We’re delighted to see John share these values and insights on this episode. Tune in to hear the conversation and learn more about the leadership principles that continue to guide our organization. Listen now: hubs.ly/Q04kYx7B0

Sandy Spear, Senior Vice President & Regional Sales Manager at First Federal Bank, had the honor of serving as a panelist for Zip Code Leadership in Action at the 2026 Florida Prosperity and Economic Opportunity Solution Summit. The discussion highlighted the importance of collaborative leadership, community investment, and creating opportunities that help individuals and neighborhoods thrive. Events like this bring together leaders from across Florida to address challenges, share solutions, and drive meaningful economic growth. At First Federal Bank, we remain committed to supporting initiatives that strengthen our communities and expand opportunities for future generations.

Scams are becoming more common, but most follow the same playbook. Whether it's a suspicious text, a fake email, or a phone call claiming to be from a trusted organization, scammers often rely on urgency, fear, and pressure to get you to act quickly. Knowing the warning signs can help you protect your personal information and your money. Read our latest blog to learn how to spot common scams, recognize red flags, and know what to do if something doesn't feel right. How to Spot Scams and Protect Your Money: hubs.ly/Q04kQvWY0 Fraud Protection | First Federal Bank: hubs.ly/Q04kMvRm0

At First Federal Bank we strive to provide 5-star service every day. Thank you Madison for your thoughtful words, and for being part of the First Federal family.

Summer is a time for family gatherings, outdoor adventures, and making memories with the people we care about most. As we enjoy time at the pool, beach, parks, campgrounds, and other favorite destinations, it's important to stay mindful of safety and be prepared for the unexpected. Taking a few moments to review important summer safety information can help protect our loved ones and ensure that every outing is both enjoyable and safe. Check out the link below for helpful summer safety guidance and resources to keep you and your family safe all season long. How to Stay Safe While Having Fun This Summer hubs.ly/Q04khgsp0

As Military Appreciation Month comes to a close, First Federal Bank wants to extend our deepest gratitude to all who have served our country. Thank you for your sacrifice, dedication, and service to us all.

On Thursday, May 21st, we dedicated our Lake City Financial Center in honor of former CEO Keith Leibfried, a visionary leader whose decades of commitment helped shape First Federal Bank into what it is today. From the relationships he built to the communities he impacted, Mr. Leibfried’s legacy continues to inspire us as we move forward together. #TogetherWeGoFurther

For over 30 years, Todd has relied on our team at First Federal Bank to provide a 5-star experience every day for both his personal and business transactions. Thank you Todd for your kind words, and for being a part of the First Federal family.

In observance of Memorial Day, all First Federal Bank branches will be closed on May 25, 2026. You can access your account 24/7 using the First Federal Mobile App or by visiting our online banking portal on hubs.ly/Q04fJZqw0

Big News! Meet Marilyn Harmon, our new Virtual Branch Manager at First Federal Bank. Marilyn is here to offer convenience and personalized services through virtual banking experiences designed around you. • Video calls • Digital messaging • Expert guidance from a real banker Whether you are opening an account, have lending needs or navigating digital banking, Marilyn is ready to help! Welcome to the team, Marilyn.

Throughout May, we can pause to recognize several important military observances, including Loyalty Day, VE Day, Military Spouse Appreciation Day, Armed Forces Day, and Memorial Day. Together, these days remind us to honor the courage, service, and sacrifice of our military members, veterans, spouses, and families. At First Federal, we are grateful for all who have served and continue to serve our country. hubs.ly/Q04gvdWY0 #MilitaryAppreciationMonth #HonorourHeros

At First Federal Bank we strive to make everyone feel welcome by serving 5-star service every day. Thank you Timmy for your kind words and for being a part of the First Federal family.

Happy Mother’s Day to all the incredible moms, grandmothers, stepmoms, and mother figures who make our communities stronger every day. Thank you for the love, guidance, and care you give so selflessly. Today, we celebrate you and all that you do. From all of us at First Federal Bank, Happy Mother’s Day!

First Federal Bank partnered with Empire Construction on the development of a $1.6M, 10,000-square-foot multi-tenant office warehouse facility, helping bring high-quality, modern commercial space to a growing community. With a $1.1M loan from First Federal Bank, this project reflects more than just construction, it’s a shared investment in long-term growth. By acting as their own general contractor, Empire Construction maintained full control over quality, budget, and timeline turning vision into reality with confidence and precision. What made this partnership stand out? A relationship-first approach. From day one, our team worked alongside Empire Construction to fully understand their business model, their equity investment, and their long-term goals, creating a collaborative process built on transparency and trust. "First Federal Bank understood our business model and the equity we were bringing to the table. The conversation felt collaborative rather than transactional. They understood both the construction side and the long-term investment value of the asset. That alignment gave us confidence in the partnership. It was a partnership built on transparency, preparation, and shared vision,” said Samantha Tillman, Empire Construction Management LLC. This new facility will support local businesses with high-quality commercial space, encourage continued economic growth in the region, and set a new standard for small business development in the area. At First Federal Bank, we’re proud to support projects that don’t just build structures but strengthen communities. Together, We Go Further.

Happy Military Appreciation Month. We know our freedom is built on your sacrifices, and we appreciate your service. 🇺🇸

As part of the America250 initiative, America Gives is calling on individuals and organizations nationwide to step up and serve their communities in 2026. From supporting veterans and mentoring youth to environmental efforts and local outreach, there’s an opportunity for everyone to make a meaningful impact. At First Federal Bank, giving back is at the heart of who we are. Through programs like Community Rewards and First Federal Way, we’re honored to support the growth and well-being of the communities we serve. Join us in making 2026 a record-setting year of service as we work together to honor America’s 250th anniversary. hubs.ly/Q04f2LD60 #America250 #AmericaGives