First Financial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Financial Bank of Bessemer, AL 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 | 1.05% | 1.34% | -0.29% | 36th below |
| ROAE | 34.32% | 13.31% | +21.01% | 99th top |
| Net Interest Margin | 3.92% | 3.93% | -0.01% | 49th below |
| Efficiency Ratio | 77.93% | 61.14% | +16.79% | 16th bottom |
| PPNR / Avg Assets | 1.10% | 1.68% | -0.58% | 25th below |
| Yield on Earning Assets | 5.01% | 5.67% | -0.66% | 24th bottom |
| Cost of Funds | 0.96% | 1.88% | -0.92% | 92nd top |
| Net Interest Spread | 3.51% | 3.32% | +0.19% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.52% | 0.94% | +0.58% | 18th bottom |
| NPA / Total Assets | 0.84% | 0.70% | +0.14% | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 39th below |
| ACL / Total Loans | 1.02% | 1.28% | -0.26% | 28th below |
| ACL / NPLs (Coverage) | 66.90% | 1539.06% | -1472.16% | 17th bottom |
| Texas Ratio | 22.07% | 7.33% | +14.74% | 6th bottom |
| Provision / NCO | 83.33% | 1395.97% | -1312.64% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.12% | 19.50% | -4.38% | 50th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.12% | 19.54% | -4.42% | 50th above |
| Total Capital Ratio | 15.94% | 20.62% | -4.68% | 47th below |
| Leverage Ratio | 10.69% | 12.14% | -1.45% | 45th below |
| Equity / Assets | 3.28% | 11.38% | -8.10% | 1st bottom |
| TCE / Tangible Assets | 3.28% | 11.09% | -7.81% | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.13% | 80.64% | -24.51% | 87th top |
| Core Deposit Ratio | 93.47% | 86.86% | +6.61% | 76th top |
| Wholesale Funding Ratio | 0.81% | 5.03% | -4.22% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.48% | 6.85% | -4.37% | 35th below |
| Loan Growth (Y/Y) | 13.99% | 7.90% | +6.09% | 84th top |
| Deposit Growth (Y/Y) | 0.00% | 6.29% | -6.29% | 23rd bottom |
See First Financial Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Financial 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 Financial Bank profile, how to read a UBPR, or how this data updates.