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 Ravenswood, WV against its peer group of 506 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 | 0.36% | 3.13% | -2.77% | 22nd bottom |
| ROAE | 3.48% | 10.31% | -6.83% | 27th below |
| Net Interest Margin | 2.37% | 3.94% | -1.57% | 6th bottom |
| Efficiency Ratio | 80.50% | 76.31% | +4.19% | 31st below |
| PPNR / Avg Assets | 0.47% | 1.40% | -0.93% | 20th bottom |
| Yield on Earning Assets | 5.20% | 5.35% | -0.15% | 49th below |
| Cost of Funds | 3.14% | 1.70% | +1.44% | 6th bottom |
| Net Interest Spread | 2.11% | 3.32% | -1.21% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.83% | 1.34% | -0.51% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.62% | 0.71% | -0.09% | 27th below |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 0.57% | 1.49% | -0.92% | 5th bottom |
| ACL / NPLs (Coverage) | 68.90% | 866.02% | -797.12% | 28th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.57% | 8.26% | -0.69% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 23.15% | 62.23% | -39.08% | 53rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 23.15% | 62.23% | -39.08% | 53rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 24.10% | 63.20% | -39.10% | 53rd above |
| Leverage Ratio | 10.43% | 17.65% | -7.22% | 22nd bottom |
| Equity / Assets | 10.53% | 16.45% | -5.92% | 31st below |
| TCE / Tangible Assets | 10.53% | 16.20% | -5.67% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.87% | 72.83% | +11.04% | 25th below |
| Core Deposit Ratio | 83.70% | 88.28% | -4.58% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.40% | 4.26% | -1.86% | 48th below |
| Loan Growth (Y/Y) | -0.85% | 6.76% | -7.61% | 36th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.34% | 3.72% | -1.38% | 52nd above |
See First Federal Savings and Loan Association's peers by name
The 506 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.