At First Federal Bank, we love what we do. Take a minute to find out more about our company and why we’ve become the largest community bank franchise in the northwest Ohio, southeast Michigan and northeast Indiana.

Today, First Federal Bank enjoys formidable market share and a reputation of strength and stability in northwest Ohio, northeast Indiana and southeast Michigan. Assets at the end of March 2008 exceeded the $1.88 billion mark. With continued emphasis on local decision-making, community banking, quality staff and a customer-centric service culture, First Federal Bank is well-positioned for the future.

Mission Statement:

Our mission is to exceed customer expectations while helping them achieve their financial goals and dreams.

Vision Statement:

“Work, bank, and invest with the people you know and trust” drives our daily decisions. Empowered employees lead to delighted customers, satisfied shareholders and strong communities."

Organization Values:

Customer First – Customer First is the code of conduct and a standard of behavior that defines how our employees differentiate First Federal Bank from our competitors with their daily actions.

Every Product Every Market – We believe that we must strive to offer every product, with the same level of service, in all of the markets we serve.

Accuracy and Consistency – We believe that we must maintain a reputation for accuracy and consistency in all financial matters, and to eliminate errors and mistakes before they happen. We recognize that when mistakes do happen, this event must be viewed as an opportunity to exceed our customers’ expectations.

Community Involvement – We believe that our employees must be involved in leadership positions in the communities where they live and work. We also believe that we must provide financial and other support to agencies and organizations that improve the quality of life in all of our communities.

Personalized Customer Service – We believe that, wherever possible and appropriate, customers’ issues must stick like Velcro to the customer contact person who first interacts with the customer.

Local Decision Makers – We believe that as an organization, we must have decisions that impact individual customers made as close to the customer as possible. We will empower our employees at all levels to make decisions that are best for the customer and the bank.

Trusted Advisors – We believe customers want to work with people they know and trust. We want our customers to view our customer contact employees as trusted advisors in all financial matters. We require team members with a high level of expertise and a strong desire to help our customers reach all of their financial goals.

Increase the Value of the Company – We believe a fair return on investment for our shareholders’ is essential for our company to survive and thrive. We are, therefore, committed to a strong and aggressive pursuit of profit and growth. Growth in total shareholder value will be consistent with our responsibilities to our other stakeholders.