First Federal Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Federal Bank & Trust of Sheridan, WY 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 | 0.76% | 1.34% | -0.58% | 21st bottom |
| ROAE | 7.39% | 13.32% | -5.93% | 22nd bottom |
| Net Interest Margin | 3.54% | 3.93% | -0.39% | 29th below |
| Efficiency Ratio | 71.24% | 61.13% | +10.11% | 26th below |
| PPNR / Avg Assets | 1.09% | 1.68% | -0.59% | 24th bottom |
| Yield on Earning Assets | 5.46% | 5.67% | -0.21% | 43rd below |
| Cost of Funds | 2.06% | 1.88% | +0.18% | 34th below |
| Net Interest Spread | 2.99% | 3.32% | -0.33% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.13% | 0.94% | +2.19% | 6th bottom |
| NPA / Total Assets | 2.44% | 0.70% | +1.74% | 5th bottom |
| NCO / Avg Loans | 0.20% | 0.16% | +0.04% | 12th bottom |
| ACL / Total Loans | 1.37% | 1.28% | +0.09% | 69th above |
| ACL / NPLs (Coverage) | 43.82% | 1539.66% | -1495.84% | 8th bottom |
| Texas Ratio | 22.27% | 7.32% | +14.95% | 6th bottom |
| Provision / NCO | 99.37% | 1396.68% | -1297.31% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.76% | 19.51% | -5.75% | 37th below |
| Tier 1 Ratio | 13.76% | 19.54% | -5.78% | 36th below |
| Total Capital Ratio | 15.01% | 20.63% | -5.62% | 38th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.05% | 12.14% | -1.09% | 52nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.68% | 11.37% | -0.69% | 55th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.68% | 11.09% | -0.41% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.01% | 80.63% | +7.38% | 33rd below |
| Core Deposit Ratio | 89.77% | 86.86% | +2.91% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.76% | 6.86% | -6.10% | 24th bottom |
| Loan Growth (Y/Y) | -1.07% | 7.91% | -8.98% | 19th bottom |
| Deposit Growth (Y/Y) | 1.85% | 6.29% | -4.44% | 34th below |
See First Federal Bank & Trust'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 & Trust, 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 & Trust profile, how to read a UBPR, or how this data updates.