First Federal Savings and Loan Association of Delta: 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 Delta of Delta, OH 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 | 1.03% | 1.35% | -0.32% | 35th below |
| ROAE | 6.65% | 12.06% | -5.41% | 20th bottom |
| Net Interest Margin | 3.71% | 3.90% | -0.19% | 37th below |
| Efficiency Ratio | 66.90% | 63.15% | +3.75% | 35th below |
| PPNR / Avg Assets | 1.28% | 1.64% | -0.36% | 32nd below |
| Yield on Earning Assets | 4.37% | 5.65% | -1.28% | 7th bottom |
| Cost of Funds | 0.75% | 1.85% | -1.10% | 96th top |
| Net Interest Spread | 3.53% | 3.35% | +0.18% | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.60% | 1.28% | -0.68% | 4th bottom |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 39.65% | 20.82% | +18.83% | 96th top |
| Tier 1 Ratio | 39.65% | 20.85% | +18.80% | 96th top |
| Total Capital Ratio | 40.32% | 21.92% | +18.40% | 96th top |
| Leverage Ratio | 16.48% | 12.46% | +4.02% | 91st top |
| Equity / Assets | 15.93% | 11.67% | +4.26% | 91st top |
| TCE / Tangible Assets | 15.93% | 11.40% | +4.53% | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.18% | 78.65% | -22.47% | 87th top |
| Core Deposit Ratio | 98.43% | 87.09% | +11.34% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.18% | 6.48% | -3.30% | 41st below |
| Loan Growth (Y/Y) | 14.95% | 7.64% | +7.31% | 86th top |
| Deposit Growth (Y/Y) | 2.07% | 6.02% | -3.95% | 36th below |
See First Federal Savings and Loan Association of Delta's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Federal Savings and Loan Association of Delta, 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 of Delta profile, how to read a UBPR, or how this data updates.