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 Hazard, 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 Behind the peer average, ahead of the median peer. | 1.07% | 3.14% | -2.07% | 52nd above |
| ROAE | 4.99% | 10.43% | -5.44% | 33rd below |
| Net Interest Margin | 3.38% | 3.93% | -0.55% | 26th below |
| Efficiency Ratio | 55.95% | 76.35% | -20.40% | 79th top |
| PPNR / Avg Assets | 1.47% | 1.40% | +0.07% | 60th above |
| Yield on Earning Assets | 5.45% | 5.35% | +0.10% | 60th above |
| Cost of Funds | 2.92% | 1.70% | +1.22% | 9th bottom |
| Net Interest Spread | 2.82% | 3.31% | -0.49% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.57% | 1.34% | +0.23% | 22nd bottom |
| NPA / Total Assets | 1.42% | 0.71% | +0.71% | 14th bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.72% | 1.49% | -0.77% | 11th bottom |
| ACL / NPLs (Coverage) | 46.05% | 866.88% | -820.83% | 16th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.63% | 8.25% | -1.62% | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 21.58% | 17.60% | +3.98% | 83rd top |
| Equity / Assets | 22.39% | 16.41% | +5.98% | 83rd top |
| TCE / Tangible Assets | 22.39% | 16.16% | +6.23% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 130.08% | 72.70% | +57.38% | 2nd bottom |
| Core Deposit Ratio | 79.27% | 88.23% | -8.96% | 12th bottom |
| Wholesale Funding Ratio | 7.58% | 5.26% | +2.32% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.25% | 4.32% | -9.57% | 12th bottom |
| Loan Growth (Y/Y) | -5.19% | 6.75% | -11.94% | 19th bottom |
| Deposit Growth (Y/Y) | -4.79% | 3.79% | -8.58% | 15th bottom |
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.