First Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Federal Savings Bank of Rochester, IN 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 | 1.11% | 1.35% | -0.24% | 39th below |
| ROAE | 12.39% | 12.05% | +0.34% | 50th above |
| Net Interest Margin | 3.49% | 3.90% | -0.41% | 27th below |
| Efficiency Ratio | 72.22% | 63.15% | +9.07% | 24th bottom |
| PPNR / Avg Assets | 1.34% | 1.64% | -0.30% | 36th below |
| Yield on Earning Assets | 5.53% | 5.65% | -0.12% | 47th below |
| Cost of Funds | 2.24% | 1.85% | +0.39% | 24th bottom |
| Net Interest Spread | 3.13% | 3.35% | -0.22% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.94% | 0.92% | +0.02% | 30th below |
| NPA / Total Assets | 0.83% | 0.67% | +0.16% | 25th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.03% | 1.28% | -0.25% | 29th below |
| ACL / NPLs (Coverage) | 109.74% | 1645.79% | -1536.05% | 30th below |
| Texas Ratio | 8.25% | 7.15% | +1.10% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.31% | 12.46% | -3.15% | 18th bottom |
| Equity / Assets | 9.20% | 11.67% | -2.47% | 30th below |
| TCE / Tangible Assets | 9.20% | 11.40% | -2.20% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.91% | 78.63% | +31.28% | 3rd bottom |
| Core Deposit Ratio | 79.80% | 87.10% | -7.30% | 15th bottom |
| Wholesale Funding Ratio | 10.92% | 5.11% | +5.81% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.63% | 6.47% | -0.84% | 60th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.62% | 7.64% | -2.02% | 52nd above |
| Deposit Growth (Y/Y) | 13.30% | 6.02% | +7.28% | 89th top |
See First Federal Savings Bank'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 Bank, 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 Bank profile, how to read a UBPR, or how this data updates.