First Farmers and Commercial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Farmers and Commercial Bank of Pikeville, TN against its peer group of 2672 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 | 0.87% | 1.34% | -0.47% | 26th below |
| ROAE | 8.84% | 13.32% | -4.48% | 29th below |
| Net Interest Margin | 4.29% | 3.93% | +0.36% | 70th above |
| Efficiency Ratio | 71.67% | 61.14% | +10.53% | 25th below |
| PPNR / Avg Assets | 1.19% | 1.68% | -0.49% | 28th below |
| Yield on Earning Assets | 6.46% | 5.67% | +0.79% | 86th top |
| Cost of Funds | 2.24% | 1.88% | +0.36% | 24th bottom |
| Net Interest Spread | 3.65% | 3.32% | +0.33% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.37% | 0.94% | -0.57% | 52nd above |
| NPA / Total Assets | 0.27% | 0.70% | -0.43% | 54th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 87th top |
| ACL / Total Loans | 1.44% | 1.28% | +0.16% | 74th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 391.63% | 1538.95% | -1147.32% | 66th above |
| Texas Ratio | 2.48% | 7.33% | -4.85% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.54% | 19.50% | -4.96% | 44th below |
| Tier 1 Ratio | 14.54% | 19.54% | -5.00% | 44th below |
| Total Capital Ratio | 15.80% | 20.62% | -4.82% | 45th below |
| Leverage Ratio | 9.86% | 12.14% | -2.28% | 28th below |
| Equity / Assets | 9.78% | 11.37% | -1.59% | 40th below |
| TCE / Tangible Assets | 9.78% | 11.09% | -1.31% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.51% | 80.64% | +0.87% | 48th below |
| Core Deposit Ratio | 81.72% | 86.86% | -5.14% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.37% | 6.85% | -4.48% | 35th below |
| Loan Growth (Y/Y) | 4.96% | 7.90% | -2.94% | 48th below |
| Deposit Growth (Y/Y) | 1.97% | 6.29% | -4.32% | 35th below |
See First Farmers and Commercial Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Farmers and Commercial 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 First Farmers and Commercial Bank profile, how to read a UBPR, or how this data updates.