First Federal Savings and Loan Association of McMinnville: 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 McMinnville of McMinnville, OR against its peer group of 2603 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 | 0.53% | 1.35% | -0.82% | 14th bottom |
| ROAE | 4.90% | 13.33% | -8.43% | 14th bottom |
| Net Interest Margin | 3.11% | 3.93% | -0.82% | 13th bottom |
| Efficiency Ratio | 74.43% | 61.12% | +13.31% | 20th bottom |
| PPNR / Avg Assets | 0.83% | 1.68% | -0.85% | 15th bottom |
| Yield on Earning Assets | 4.38% | 5.67% | -1.29% | 7th bottom |
| Cost of Funds | 1.40% | 1.88% | -0.48% | 75th top |
| Net Interest Spread | 2.77% | 3.32% | -0.55% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 80th top |
| NPA / Total Assets | 0.02% | 0.70% | -0.68% | 82nd top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.03% | 1.28% | -0.25% | 29th below |
| ACL / NPLs (Coverage) | 2660.61% | 1545.32% | +1115.29% | — |
| Texas Ratio | 0.21% | 7.34% | -7.13% | 85th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.86% | 19.48% | +1.38% | 80th top |
| Tier 1 Ratio | 20.86% | 19.52% | +1.34% | 80th top |
| Total Capital Ratio | 22.05% | 20.60% | +1.45% | 80th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.90% | 12.14% | -0.24% | 64th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.93% | 11.37% | -0.44% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.93% | 11.08% | -0.15% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.73% | 80.67% | -6.94% | 64th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.51% | 86.85% | +1.66% | 46th below |
| Wholesale Funding Ratio | 2.89% | 5.04% | -2.15% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.92% | 6.84% | -3.92% | 39th below |
| Loan Growth (Y/Y) | 3.38% | 7.92% | -4.54% | 38th below |
| Deposit Growth (Y/Y) | 2.27% | 6.29% | -4.02% | 37th below |
See First Federal Savings and Loan Association of McMinnville's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Federal Savings and Loan Association of McMinnville, 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 McMinnville profile, how to read a UBPR, or how this data updates.