First Federal Community Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Federal Community Bank, N.A. of Dover, OH against its peer group of 2603 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 | 1.96% | 1.34% | +0.62% | 84th top |
| ROAE | 22.25% | 13.32% | +8.93% | 92nd top |
| Net Interest Margin | 3.99% | 3.93% | +0.06% | 53rd above |
| Efficiency Ratio | 41.57% | 61.15% | -19.58% | 94th top |
| PPNR / Avg Assets | 2.43% | 1.68% | +0.75% | 87th top |
| Yield on Earning Assets | 5.88% | 5.67% | +0.21% | 63rd above |
| Cost of Funds | 2.01% | 1.88% | +0.13% | 37th below |
| Net Interest Spread | 3.43% | 3.32% | +0.11% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.94% | -0.86% | 76th top |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 76th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 74th above |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 25th below |
| ACL / NPLs (Coverage) | 1252.16% | 1546.43% | -294.27% | — |
| Texas Ratio | 0.64% | 7.34% | -6.70% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.74% | 19.50% | -6.76% | 24th bottom |
| Tier 1 Ratio | 12.74% | 19.53% | -6.79% | 24th bottom |
| Total Capital Ratio | 13.82% | 20.62% | -6.80% | 24th bottom |
| Leverage Ratio | 9.40% | 12.14% | -2.74% | 19th bottom |
| Equity / Assets | 8.75% | 11.37% | -2.62% | 23rd bottom |
| TCE / Tangible Assets | 8.70% | 11.09% | -2.39% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.86% | 80.66% | +4.20% | 40th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.46% | 86.85% | +1.61% | 46th below |
| Wholesale Funding Ratio | 0.50% | 5.04% | -4.54% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 17.40% | 6.83% | +10.57% | 93rd top |
| Loan Growth (Y/Y) | 13.93% | 7.91% | +6.02% | 84th top |
| Deposit Growth (Y/Y) | 17.22% | 6.28% | +10.94% | 93rd top |
See First Federal Community Bank, N.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Federal Community Bank, N.A., 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 Community Bank, N.A. profile, how to read a UBPR, or how this data updates.