First Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Federal Savings and Loan Association of Morehead, KY against its peer group of 536 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 | 0.46% | 3.33% | -2.87% | 25th below |
| ROAE | 1.78% | 8.30% | -6.52% | 19th bottom |
| Net Interest Margin | 3.97% | 3.92% | +0.05% | 56th above |
| Efficiency Ratio | 84.56% | 84.47% | +0.09% | 24th bottom |
| PPNR / Avg Assets | 0.61% | 1.56% | -0.95% | 23rd bottom |
| Yield on Earning Assets | 6.08% | 5.24% | +0.84% | 79th top |
| Cost of Funds | 2.90% | 1.67% | +1.23% | 10th bottom |
| Net Interest Spread | 3.20% | 3.30% | -0.10% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.20% | 1.42% | +1.78% | 9th bottom |
| NPA / Total Assets | 2.86% | 0.71% | +2.15% | 5th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 1.24% | 1.53% | -0.29% | 49th below |
| ACL / NPLs (Coverage) | 38.58% | 723.29% | -684.71% | 13th bottom |
| Texas Ratio | 14.55% | 8.55% | +6.00% | 12th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 40.77% | 127.00% | -86.23% | 75th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 40.77% | 127.02% | -86.25% | 75th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 42.02% | 127.90% | -85.88% | 75th top |
| Leverage Ratio | 25.61% | 22.08% | +3.53% | 85th top |
| Equity / Assets | 25.55% | 20.72% | +4.83% | 85th top |
| TCE / Tangible Assets | 25.55% | 20.47% | +5.08% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 121.63% | 74.18% | +47.45% | 2nd bottom |
| Core Deposit Ratio | 83.05% | 88.32% | -5.27% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.91% | 3.83% | -1.92% | 45th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.53% | 6.85% | -4.32% | 50th above |
| Deposit Growth (Y/Y) | 7.13% | 2.97% | +4.16% | 74th above |
See First Federal Savings and Loan Association's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Federal Savings and Loan Association, 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 Savings and Loan Association profile, how to read a UBPR, or how this data updates.