First Federal Savings & Loan Association of Valdosta: 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 Valdosta of Valdosta, GA 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 | 0.83% | 1.35% | -0.52% | 25th below |
| ROAE | 6.80% | 12.06% | -5.26% | 20th bottom |
| Net Interest Margin | 4.18% | 3.90% | +0.28% | 63rd above |
| Efficiency Ratio | 73.54% | 63.15% | +10.39% | 22nd bottom |
| PPNR / Avg Assets | 1.13% | 1.64% | -0.51% | 26th below |
| Yield on Earning Assets | 6.48% | 5.65% | +0.83% | 87th top |
| Cost of Funds | 2.58% | 1.85% | +0.73% | 13th bottom |
| Net Interest Spread | 3.77% | 3.35% | +0.42% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.65% | 0.92% | +1.73% | 8th bottom |
| NPA / Total Assets | 2.33% | 0.67% | +1.66% | 6th bottom |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 91st top |
| ACL / Total Loans | 0.42% | 1.28% | -0.86% | 2nd bottom |
| ACL / NPLs (Coverage) | 15.71% | 1645.83% | -1630.12% | 0th bottom |
| Texas Ratio | 18.58% | 7.15% | +11.43% | 9th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 285.71% | 1189.75% | -904.04% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.26% | 12.46% | -0.20% | 67th above |
| Equity / Assets | 12.16% | 11.67% | +0.49% | 72nd above |
| TCE / Tangible Assets | 12.16% | 11.40% | +0.76% | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 117.16% | 78.63% | +38.53% | 2nd bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.79% | 87.09% | +0.70% | 43rd below |
| Wholesale Funding Ratio | 11.13% | 5.11% | +6.02% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.52% | 6.47% | +4.05% | 84th top |
| Loan Growth (Y/Y) | 10.29% | 7.64% | +2.65% | 75th top |
| Deposit Growth (Y/Y) | 7.77% | 6.02% | +1.75% | 75th top |
See First Federal Savings & Loan Association of Valdosta'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 Valdosta, 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 Valdosta profile, how to read a UBPR, or how this data updates.