First Federal Savings and Loan Association of Newark: 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 Newark of Newark, 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 | 0.54% | 1.35% | -0.81% | 14th bottom |
| ROAE | 3.99% | 12.06% | -8.07% | 11th bottom |
| Net Interest Margin | 3.26% | 3.90% | -0.64% | 18th bottom |
| Efficiency Ratio | 80.31% | 63.14% | +17.17% | 13th bottom |
| PPNR / Avg Assets | 0.68% | 1.64% | -0.96% | 12th bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.60% | 5.65% | -0.05% | 50th above |
| Cost of Funds | 2.62% | 1.85% | +0.77% | 12th bottom |
| Net Interest Spread | 2.83% | 3.35% | -0.52% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.06% | 0.92% | +1.14% | 13th bottom |
| NPA / Total Assets | 1.48% | 0.67% | +0.81% | 12th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 36th below |
| ACL / Total Loans | 0.68% | 1.28% | -0.60% | 7th bottom |
| ACL / NPLs (Coverage) | 33.19% | 1645.82% | -1612.63% | 4th bottom |
| Texas Ratio | 10.55% | 7.15% | +3.40% | 21st bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 366.67% | 1189.70% | -823.03% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.18% | 12.46% | +1.72% | 82nd top |
| Equity / Assets | 13.56% | 11.67% | +1.89% | 82nd top |
| TCE / Tangible Assets | 13.56% | 11.40% | +2.16% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.30% | 78.64% | +5.66% | 42nd below |
| Core Deposit Ratio | 85.12% | 87.09% | -1.97% | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.32% | 6.48% | -6.16% | 21st bottom |
| Loan Growth (Y/Y) | -1.90% | 7.64% | -9.54% | 16th bottom |
| Deposit Growth (Y/Y) | -0.36% | 6.03% | -6.39% | 21st bottom |
See First Federal Savings and Loan Association of Newark'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 Newark, 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 Newark profile, how to read a UBPR, or how this data updates.