Financial Federal Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Financial Federal Bank of Memphis, TN 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 | 0.99% | 1.44% | -0.45% | 28th below |
| ROAE | 9.98% | 12.51% | -2.53% | 32nd below |
| Net Interest Margin | 2.65% | 3.84% | -1.19% | 6th bottom |
| Efficiency Ratio | 55.90% | 58.87% | -2.97% | 59th above |
| PPNR / Avg Assets | 1.18% | 1.78% | -0.60% | 22nd bottom |
| Yield on Earning Assets | 6.05% | 5.71% | +0.34% | 78th top |
| Cost of Funds | 3.80% | 2.03% | +1.77% | 1st bottom |
| Net Interest Spread | 2.18% | 3.18% | -1.00% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.97% | -0.88% | 90th top |
| NPA / Total Assets | 0.09% | 0.75% | -0.66% | 87th top |
| NCO / Avg Loans | 0.02% | 0.31% | -0.29% | 53rd above |
| ACL / Total Loans | 0.76% | 1.25% | -0.49% | 11th bottom |
| ACL / NPLs (Coverage) | 819.30% | 698.71% | +120.59% | 88th top |
| Texas Ratio | 0.84% | 7.17% | -6.33% | 88th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 790.70% | 814.55% | -23.85% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.92% | 11.60% | -1.68% | 35th below |
| Equity / Assets | 9.81% | 11.33% | -1.52% | 38th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.81% | 10.65% | -0.84% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 122.89% | 86.31% | +36.58% | 2nd bottom |
| Core Deposit Ratio | 75.60% | 85.57% | -9.97% | 14th bottom |
| Uninsured Deposit Ratio | 22.53% | 32.72% | -10.19% | 78th top |
| Wholesale Funding Ratio | 10.86% | 5.44% | +5.42% | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.47% | 10.46% | -6.99% | 38th below |
| Loan Growth (Y/Y) | 3.75% | 8.00% | -4.25% | 40th below |
| Deposit Growth (Y/Y) | 8.67% | 7.98% | +0.69% | 70th above |
See Financial Federal Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Financial Federal 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 Financial Federal Bank profile, how to read a UBPR, or how this data updates.