Client Spotlight

Our customer testimonials prove that the right bank can make a big difference. When it comes to both banking and lending, our customers know that a community bank has their needs in mind first. Find out why others have chosen to trust us for their financial solutions.

Encore Home FurnishingsEncore 2

In February of 2019 Sam and Nikki Elliott, owners of Encore Home Furnishings, came to First Federal seeking a Commercial Loan to build a new structure on their existing land. During the loan process, they worked with Commercial Relationship Manager, Tony Journey and his expert team.

"We saw the available property as an opportunity to expand our business interests," Nikki said. "We were looking to diversify our investments in order to give us more financial security, and to provide for the future of our family," she added.

TNT Motorsports now occupies the nearly 15,000 square-foot building space.


Encore 4

"Our experience with First Federal was amazing! From start to finish, they handled our loan request and construction project with professionalism and unparalleled attention to detail. The loan officers took the time to get to know us as business owners, and to analyze our current and future business operations. They truly care about our community and demonstrate this by supporting and investing in local businesses," says Nikki.

Encore 1Encore is a family-owned business devoted to serving their customers and their community. They strive to offer high-quality furniture and décor at discount prices, while also providing a fun shopping experience and excellent customer service. You can visit their 25,000 square foot showroom at 2730 NE Bunn Road in McMinnville or shop online at


Photos courtesy of Kirkpatrick's Graphics.

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