First Federal Bankshares, Inc. operates as the holding company for First Federal Bank, which provides community banking products and services in northwest Iowa, central Iowa, and northeast Nebraska. The bank offers various deposit products, including checking, regular savings, money market deposits, term certificate accounts, and individual retirement accounts. Its loan portfolio comprises consumer loans, commercial business loans, non-residential real estate loans, multi-family residential real estate loans, residential real estate loans, Small Business Administration loans, and lines of credit. It also provides Internet banking services. As of June 30, 2006, the bank operated through 15...