First Federal Bank of Louisiana: 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 Louisiana of Lake Charles, LA 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 | 0.26% | 1.44% | -1.18% | 5th bottom |
| ROAE | 2.40% | 12.52% | -10.12% | 5th bottom |
| Net Interest Margin | 2.89% | 3.84% | -0.95% | 11th bottom |
| Efficiency Ratio | 78.96% | 58.85% | +20.11% | 8th bottom |
| PPNR / Avg Assets | 0.70% | 1.78% | -1.08% | 7th bottom |
| Yield on Earning Assets | 4.54% | 5.72% | -1.18% | 8th bottom |
| Cost of Funds | 1.73% | 2.03% | -0.30% | 67th above |
| Net Interest Spread | 2.41% | 3.18% | -0.77% | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.97% | -0.80% | 83rd top |
| NPA / Total Assets | 1.52% | 0.75% | +0.77% | 12th bottom |
| NCO / Avg Loans | 0.02% | 0.31% | -0.29% | 56th above |
| ACL / Total Loans | 1.01% | 1.25% | -0.24% | 31st below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 592.38% | 698.96% | -106.58% | 85th top |
| Texas Ratio | 13.41% | 7.15% | +6.26% | 14th bottom |
| Provision / NCO | 78.63% | 815.51% | -736.88% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.41% | 17.40% | +4.01% | 93rd top |
| Tier 1 Ratio | 21.41% | 17.44% | +3.97% | 93rd top |
| Total Capital Ratio | 22.47% | 18.49% | +3.98% | 93rd top |
| Leverage Ratio | 11.95% | 11.59% | +0.36% | 76th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.94% | 11.33% | -0.39% | 59th above |
| TCE / Tangible Assets | 10.79% | 10.65% | +0.14% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.62% | 86.38% | -21.76% | 91st top |
| Core Deposit Ratio | 94.12% | 85.55% | +8.57% | 80th top |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 32.25% | 32.71% | -0.46% | 47th below |
| Wholesale Funding Ratio | 1.75% | 5.46% | -3.71% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.05% | 10.46% | -8.41% | 28th below |
| Loan Growth (Y/Y) | -5.15% | 8.01% | -13.16% | 5th bottom |
| Deposit Growth (Y/Y) | 0.66% | 7.99% | -7.33% | 22nd bottom |
See First Federal Bank of Louisiana'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 of Louisiana, 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 of Louisiana profile, how to read a UBPR, or how this data updates.