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 Ottawa, IL 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 | 0.46% | 1.34% | -0.88% | 12th bottom |
| ROAE | 4.37% | 13.32% | -8.95% | 12th bottom |
| Net Interest Margin | 3.14% | 3.93% | -0.79% | 14th bottom |
| Efficiency Ratio | 75.35% | 61.13% | +14.22% | 19th bottom |
| PPNR / Avg Assets | 0.87% | 1.68% | -0.81% | 16th bottom |
| Yield on Earning Assets | 4.88% | 5.67% | -0.79% | 19th bottom |
| Cost of Funds | 1.99% | 1.88% | +0.11% | 37th below |
| Net Interest Spread | 2.84% | 3.32% | -0.48% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.72% | 0.94% | +0.78% | 16th bottom |
| NPA / Total Assets | 1.23% | 0.70% | +0.53% | 15th bottom |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 91st top |
| ACL / Total Loans | 1.29% | 1.28% | +0.01% | 62nd above |
| ACL / NPLs (Coverage) | 75.20% | 1539.33% | -1464.13% | 20th bottom |
| Texas Ratio | 10.54% | 7.33% | +3.21% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.69% | 12.14% | -1.45% | 45th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.76% | 11.37% | -0.61% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.76% | 11.09% | -0.33% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.80% | 80.63% | +12.17% | 23rd bottom |
| Core Deposit Ratio | 94.49% | 86.86% | +7.63% | 82nd top |
| Wholesale Funding Ratio | 11.18% | 5.03% | +6.15% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.10% | 6.86% | -7.96% | 14th bottom |
| Loan Growth (Y/Y) | 5.13% | 7.90% | -2.77% | 49th below |
| Deposit Growth (Y/Y) | -2.00% | 6.29% | -8.29% | 14th bottom |
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.