First Federal Community Bank, SSB: 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, SSB of Paris, TX 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 | 1.20% | 1.35% | -0.15% | 45th below |
| ROAE | 9.40% | 12.06% | -2.66% | 32nd below |
| Net Interest Margin | 4.01% | 3.90% | +0.11% | 54th above |
| Efficiency Ratio | 64.65% | 63.15% | +1.50% | 40th below |
| PPNR / Avg Assets | 1.53% | 1.64% | -0.11% | 46th below |
| Yield on Earning Assets | 5.83% | 5.65% | +0.18% | 60th above |
| Cost of Funds | 1.99% | 1.85% | +0.14% | 38th below |
| Net Interest Spread | 3.66% | 3.35% | +0.31% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.76% | 0.92% | -0.16% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.60% | 0.67% | -0.07% | 34th below |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 81st top |
| ACL / Total Loans | 1.29% | 1.28% | +0.01% | 61st above |
| ACL / NPLs (Coverage) | 169.27% | 1645.77% | -1476.50% | 43rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.30% | 7.15% | -1.85% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.10% | 12.46% | +0.64% | 76th top |
| Equity / Assets | 12.97% | 11.67% | +1.30% | 78th top |
| TCE / Tangible Assets | 12.97% | 11.40% | +1.57% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.02% | 78.64% | +12.38% | 26th below |
| Core Deposit Ratio | 80.22% | 87.10% | -6.88% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.11% | 6.48% | -3.37% | 40th below |
| Loan Growth (Y/Y) | -0.27% | 7.64% | -7.91% | 22nd bottom |
| Deposit Growth (Y/Y) | 2.20% | 6.02% | -3.82% | 37th below |
See First Federal Community Bank, SSB's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Federal Community Bank, SSB, 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, SSB profile, how to read a UBPR, or how this data updates.