First Federal Savings Bank of Kentucky: 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 Kentucky of Frankfort, KY 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 | 0.73% | 1.34% | -0.61% | 20th bottom |
| ROAE | 6.93% | 13.32% | -6.39% | 21st bottom |
| Net Interest Margin | 3.44% | 3.93% | -0.49% | 25th below |
| Efficiency Ratio | 65.83% | 61.14% | +4.69% | 37th below |
| PPNR / Avg Assets | 1.21% | 1.68% | -0.47% | 29th below |
| Yield on Earning Assets | 6.06% | 5.67% | +0.39% | 71st above |
| Cost of Funds | 2.85% | 1.88% | +0.97% | 8th bottom |
| Net Interest Spread | 3.03% | 3.32% | -0.29% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.94% | -0.58% | 53rd above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.35% | 0.70% | -0.35% | 48th below |
| NCO / Avg Loans | 0.23% | 0.16% | +0.07% | 11th bottom |
| ACL / Total Loans | 0.69% | 1.28% | -0.59% | 7th bottom |
| ACL / NPLs (Coverage) | 191.89% | 1539.08% | -1347.19% | 47th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.71% | 7.33% | -3.62% | 48th below |
| Provision / NCO | 143.15% | 1396.01% | -1252.86% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.48% | 12.14% | -1.66% | 41st below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.64% | 11.37% | -0.73% | 55th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.64% | 11.09% | -0.45% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 119.89% | 80.63% | +39.26% | 1st bottom |
| Core Deposit Ratio | 79.04% | 86.86% | -7.82% | 14th bottom |
| Wholesale Funding Ratio | 15.01% | 5.03% | +9.98% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.24% | 6.85% | -8.09% | 13th bottom |
| Loan Growth (Y/Y) | -1.35% | 7.91% | -9.26% | 17th bottom |
| Deposit Growth (Y/Y) | -5.28% | 6.29% | -11.57% | 6th bottom |
See First Federal Savings Bank of Kentucky'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 of Kentucky, 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 of Kentucky profile, how to read a UBPR, or how this data updates.