First Federal Bank, a FSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Federal Bank, a FSB of Tuscaloosa, AL 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 | 0.66% | 1.34% | -0.68% | 18th bottom |
| ROAE | 8.58% | 13.32% | -4.74% | 28th below |
| Net Interest Margin | 2.81% | 3.93% | -1.12% | 7th bottom |
| Efficiency Ratio | 92.93% | 61.13% | +31.80% | 5th bottom |
| PPNR / Avg Assets | 0.71% | 1.68% | -0.97% | 13th bottom |
| Yield on Earning Assets | 5.96% | 5.67% | +0.29% | 67th above |
| Cost of Funds | 3.27% | 1.88% | +1.39% | 3rd bottom |
| Net Interest Spread | 2.62% | 3.32% | -0.70% | 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. | 0.84% | 0.94% | -0.10% | 32nd below |
| NPA / Total Assets | 0.70% | 0.70% | +0.00% | 30th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 32nd below |
| ACL / Total Loans | 0.90% | 1.28% | -0.38% | 17th bottom |
| ACL / NPLs (Coverage) | 107.07% | 1538.95% | -1431.88% | 30th below |
| Texas Ratio | 8.99% | 7.33% | +1.66% | 25th below |
| Provision / NCO | 0.00% | 1395.86% | -1395.86% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.44% | 19.50% | -7.06% | 22nd bottom |
| Tier 1 Ratio | 12.44% | 19.54% | -7.10% | 22nd bottom |
| Total Capital Ratio | 13.66% | 20.62% | -6.96% | 23rd bottom |
| Leverage Ratio | 7.82% | 12.14% | -4.32% | 2nd bottom |
| Equity / Assets | 7.61% | 11.38% | -3.77% | 10th bottom |
| TCE / Tangible Assets | 7.61% | 11.09% | -3.48% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 126.18% | 80.63% | +45.55% | 1st bottom |
| Core Deposit Ratio | 82.86% | 86.86% | -4.00% | 23rd bottom |
| Wholesale Funding Ratio | 23.17% | 5.03% | +18.14% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.42% | 6.85% | -6.43% | 22nd bottom |
| Loan Growth (Y/Y) | 0.43% | 7.90% | -7.47% | 24th bottom |
| Deposit Growth (Y/Y) | 0.22% | 6.29% | -6.07% | 24th bottom |
See First Federal Bank, a FSB'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, a FSB, 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, a FSB profile, how to read a UBPR, or how this data updates.