First Federal Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Federal Bank of Dickson, 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 | 1.72% | 1.44% | +0.28% | 78th top |
| ROAE | 16.49% | 12.50% | +3.99% | 79th top |
| Net Interest Margin | 3.46% | 3.84% | -0.38% | 33rd below |
| Efficiency Ratio | 48.38% | 58.88% | -10.50% | 79th top |
| PPNR / Avg Assets | 1.92% | 1.78% | +0.14% | 64th above |
| Yield on Earning Assets | 5.17% | 5.71% | -0.54% | 28th below |
| Cost of Funds | 1.75% | 2.03% | -0.28% | 66th above |
| Net Interest Spread | 2.93% | 3.18% | -0.25% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.93% | 0.96% | -0.03% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.58% | 0.75% | -0.17% | 43rd below |
| NCO / Avg Loans | 0.02% | 0.31% | -0.29% | 55th above |
| ACL / Total Loans | 1.96% | 1.25% | +0.71% | 95th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 209.88% | 699.38% | -489.50% | 57th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.39% | 7.16% | -1.77% | 46th below |
| Provision / NCO | 2522.22% | 812.24% | +1709.98% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.48% | 11.60% | -1.12% | 50th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.43% | 11.33% | -0.90% | 51st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.04% | 10.65% | -0.61% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.17% | 86.37% | -16.20% | 86th top |
| Core Deposit Ratio | 85.02% | 85.56% | -0.54% | 35th below |
| Uninsured Deposit Ratio | 49.46% | 32.69% | +16.77% | 10th bottom |
| Wholesale Funding Ratio | 0.63% | 5.46% | -4.83% | 86th top |
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. | 5.34% | 10.46% | -5.12% | 51st above |
| Loan Growth (Y/Y) | 15.84% | 7.98% | +7.86% | 87th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.07% | 7.98% | -2.91% | 52nd above |
See First Federal Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First 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 First Federal Bank profile, how to read a UBPR, or how this data updates.