Amory First Savings and Loan Bank, SSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Amory First Savings and Loan Bank, SSB of Amory, MS against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.06% | 3.14% | -2.08% | 51st above |
| ROAE Behind the peer average, ahead of the median peer. | 8.33% | 10.42% | -2.09% | 50th above |
| Net Interest Margin | 2.86% | 3.93% | -1.07% | 11th bottom |
| Efficiency Ratio | 54.07% | 76.35% | -22.28% | 81st top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.24% | 1.40% | -0.16% | 51st above |
| Yield on Earning Assets | 5.60% | 5.35% | +0.25% | 65th above |
| Cost of Funds | 3.01% | 1.70% | +1.31% | 8th bottom |
| Net Interest Spread | 2.59% | 3.31% | -0.72% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 1.34% | -1.30% | 63rd above |
| NPA / Total Assets | 0.03% | 0.71% | -0.68% | 58th above |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.00% | 1.49% | -0.49% | 28th below |
| ACL / NPLs (Coverage) | 2488.00% | 858.89% | +1629.11% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.88% | 8.25% | -0.37% | 25th below |
| Provision / NCO | 350.00% | 314.19% | +35.81% | 88th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.11% | 17.61% | -4.50% | 50th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.92% | 16.43% | -3.51% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.92% | 16.18% | -3.26% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.45% | 72.79% | +18.66% | 16th bottom |
| Core Deposit Ratio | 82.32% | 88.23% | -5.91% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.53% | 4.29% | +5.24% | 82nd top |
| Loan Growth (Y/Y) | 10.23% | 6.71% | +3.52% | 78th top |
| Deposit Growth (Y/Y) | 10.87% | 3.75% | +7.12% | 87th top |
See Amory First Savings and Loan Bank, SSB's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Amory First Savings and Loan Bank, SSB, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Amory First Savings and Loan Bank, SSB profile, how to read a UBPR, or how this data updates.