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First Federal Bankshares, Inc. serves as the holding company for Vantus Bank (the Bank). The Bank is a federally chartered stock savings bank. Its primary business is community banking, which is attracting retail and commercial deposits from the general public and originating mortgage, consumer, commercial and other loans within its primary market areas. The Bank's primary lending area includes northwest and central Iowa, and contiguous portions of Nebraska and South Dakota. The Bank also purchases and/or participates in loans from third-party financial institutions.(Source: 10-K)