FFB Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FFB Bank of Fresno, CA against its peer group of 931 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. | 1.38% | 1.46% | -0.08% | 58th above |
| ROAE | 12.13% | 12.72% | -0.59% | 49th below |
| Net Interest Margin | 4.69% | 3.85% | +0.84% | 91st top |
| Efficiency Ratio | 61.08% | 57.40% | +3.68% | 41st below |
| PPNR / Avg Assets | 2.28% | 1.88% | +0.40% | 81st top |
| Yield on Earning Assets | 5.91% | 5.72% | +0.19% | 72nd above |
| Cost of Funds | 1.09% | 2.02% | -0.93% | 92nd top |
| Net Interest Spread | 2.98% | 3.18% | -0.20% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.23% | 1.00% | +4.23% | 1st bottom |
| NPA / Total Assets | 4.06% | 0.76% | +3.30% | 1st bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.40% | 0.43% | -0.03% | 11th bottom |
| ACL / Total Loans | 1.40% | 1.31% | +0.09% | 81st top |
| ACL / NPLs (Coverage) | 26.83% | 543.68% | -516.85% | 2nd bottom |
| Texas Ratio | 32.29% | 7.37% | +24.92% | 1st bottom |
| Provision / NCO | 123.34% | 618.97% | -495.63% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.57% | 17.34% | -1.77% | 75th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.57% | 17.37% | -1.80% | 75th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.83% | 18.42% | -1.59% | 76th top |
| Leverage Ratio | 12.20% | 11.44% | +0.76% | 78th top |
| Equity / Assets | 11.54% | 11.33% | +0.21% | 69th above |
| TCE / Tangible Assets | 11.54% | 10.50% | +1.04% | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.55% | 86.95% | +3.60% | 43rd below |
| Core Deposit Ratio | 79.34% | 85.56% | -6.22% | 19th bottom |
| Uninsured Deposit Ratio | 52.68% | 33.11% | +19.57% | 7th bottom |
| Wholesale Funding Ratio | 1.55% | 5.71% | -4.16% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.27% | 9.68% | -0.41% | 74th above |
| Loan Growth (Y/Y) | 15.52% | 8.05% | +7.47% | 87th top |
| Deposit Growth (Y/Y) | 11.92% | 7.87% | +4.05% | 81st top |
See FFB Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FFB Bank, 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 FFB Bank profile, how to read a UBPR, or how this data updates.