First Federal Savings & Loan Association of Pascagoula-Moss Point: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Federal Savings & Loan Association of Pascagoula-Moss Point of Pascagoula, MS 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 | 0.41% | 1.34% | -0.93% | 11th bottom |
| ROAE | 4.35% | 13.32% | -8.97% | 12th bottom |
| Net Interest Margin | 2.66% | 3.93% | -1.27% | 4th bottom |
| Efficiency Ratio | 81.47% | 61.13% | +20.34% | 12th bottom |
| PPNR / Avg Assets | 0.51% | 1.68% | -1.17% | 9th bottom |
| Yield on Earning Assets | 5.23% | 5.67% | -0.44% | 32nd below |
| Cost of Funds | 2.40% | 1.88% | +0.52% | 18th bottom |
| Net Interest Spread | 2.30% | 3.32% | -1.02% | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.43% | 0.94% | -0.51% | 49th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.55% | 0.70% | -0.15% | 36th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.41% | 1.28% | -0.87% | 2nd bottom |
| ACL / NPLs (Coverage) | 97.11% | 1539.26% | -1442.15% | 26th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.62% | 7.33% | -1.71% | 37th below |
| Provision / NCO | 0.00% | 1396.27% | -1396.27% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.72% | 12.14% | -2.42% | 26th below |
| Equity / Assets | 9.40% | 11.38% | -1.98% | 34th below |
| TCE / Tangible Assets | 9.40% | 11.09% | -1.69% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 111.54% | 80.63% | +30.91% | 3rd bottom |
| Core Deposit Ratio | 83.33% | 86.86% | -3.53% | 25th below |
| Wholesale Funding Ratio | 17.75% | 5.03% | +12.72% | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.20% | 6.85% | -6.65% | 21st bottom |
| Loan Growth (Y/Y) | -2.91% | 7.91% | -10.82% | 12th bottom |
| Deposit Growth (Y/Y) | 11.72% | 6.29% | +5.43% | 87th top |
See First Federal Savings & Loan Association of Pascagoula-Moss Point'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 & Loan Association of Pascagoula-Moss Point, 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 & Loan Association of Pascagoula-Moss Point profile, how to read a UBPR, or how this data updates.