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 Lake City, FL 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 | 1.15% | 1.46% | -0.31% | 40th below |
| ROAE | 11.40% | 12.72% | -1.32% | 44th below |
| Net Interest Margin | 3.45% | 3.85% | -0.40% | 33rd below |
| Efficiency Ratio | 66.04% | 57.39% | +8.65% | 28th below |
| PPNR / Avg Assets | 1.43% | 1.88% | -0.45% | 33rd below |
| Yield on Earning Assets | 5.29% | 5.72% | -0.43% | 34th below |
| Cost of Funds | 1.77% | 2.02% | -0.25% | 64th above |
| Net Interest Spread | 3.18% | 3.18% | +0.00% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.77% | 1.00% | -0.23% | 42nd below |
| NPA / Total Assets | 0.25% | 0.76% | -0.51% | 70th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.43% | -0.37% | 38th below |
| ACL / Total Loans | 0.76% | 1.31% | -0.55% | 12th bottom |
| ACL / NPLs (Coverage) | 98.90% | 544.14% | -445.24% | 29th below |
| Texas Ratio | 10.90% | 7.38% | +3.52% | 21st bottom |
| Provision / NCO | 96.65% | 619.68% | -523.03% | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.56% | 17.33% | +3.23% | 92nd top |
| Tier 1 Ratio | 20.56% | 17.36% | +3.20% | 92nd top |
| Total Capital Ratio | 21.06% | 18.41% | +2.65% | 91st top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.83% | 11.44% | -0.61% | 58th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.38% | 11.34% | -0.96% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.80% | 10.50% | -0.70% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 41.67% | 87.03% | -45.36% | 97th top |
| Core Deposit Ratio | 71.18% | 85.58% | -14.40% | 9th bottom |
| Uninsured Deposit Ratio | 40.67% | 33.11% | +7.56% | 25th below |
| Wholesale Funding Ratio | 10.92% | 5.69% | +5.23% | 13th bottom |
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. | 6.94% | 9.69% | -2.75% | 61st above |
| Loan Growth (Y/Y) | 4.58% | 8.06% | -3.48% | 44th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.10% | 7.87% | -0.77% | 63rd 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.