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 Dunn, NC 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 | 0.38% | 1.35% | -0.97% | 10th bottom |
| ROAE | 5.83% | 12.06% | -6.23% | 17th bottom |
| Net Interest Margin | 3.20% | 3.90% | -0.70% | 16th bottom |
| Efficiency Ratio | 83.99% | 63.14% | +20.85% | 10th bottom |
| PPNR / Avg Assets | 0.52% | 1.64% | -1.12% | 9th bottom |
| Yield on Earning Assets | 4.67% | 5.65% | -0.98% | 13th bottom |
| Cost of Funds | 1.59% | 1.85% | -0.26% | 64th above |
| Net Interest Spread | 2.64% | 3.35% | -0.71% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.73% | 0.92% | -0.19% | 36th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.54% | 0.67% | -0.13% | 36th below |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 81st top |
| ACL / Total Loans | 0.84% | 1.28% | -0.44% | 13th bottom |
| ACL / NPLs (Coverage) | 114.31% | 1645.79% | -1531.48% | 32nd below |
| Texas Ratio | 7.27% | 7.15% | +0.12% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.47% | 20.83% | -5.36% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.47% | 20.86% | -5.39% | 53rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.59% | 21.94% | -5.35% | 53rd above |
| Leverage Ratio | 9.25% | 12.46% | -3.21% | 16th bottom |
| Equity / Assets | 6.77% | 11.67% | -4.90% | 5th bottom |
| TCE / Tangible Assets | 6.77% | 11.40% | -4.63% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.87% | 78.64% | +2.23% | 49th below |
| Core Deposit Ratio | 83.45% | 87.10% | -3.65% | 25th below |
| Wholesale Funding Ratio | 1.81% | 5.11% | -3.30% | 71st 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. | 4.90% | 6.47% | -1.57% | 54th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.65% | 7.64% | -0.99% | 58th above |
| Deposit Growth (Y/Y) | 3.93% | 6.02% | -2.09% | 49th below |
See First Federal Bank's peers by name
The 2672 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.