First Freedom Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Freedom Bank of Lebanon, TN 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 | 1.59% | 1.35% | +0.24% | 68th above |
| ROAE | 12.96% | 12.05% | +0.91% | 54th above |
| Net Interest Margin | 4.17% | 3.90% | +0.27% | 63rd above |
| Efficiency Ratio | 47.37% | 63.15% | -15.78% | 86th top |
| PPNR / Avg Assets | 2.21% | 1.64% | +0.57% | 80th top |
| Yield on Earning Assets | 6.45% | 5.65% | +0.80% | 86th top |
| Cost of Funds | 2.50% | 1.85% | +0.65% | 15th bottom |
| Net Interest Spread | 3.66% | 3.35% | +0.31% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.39% | 0.67% | -0.28% | 45th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.15% | -0.05% | 19th bottom |
| ACL / Total Loans | 1.11% | 1.28% | -0.17% | 39th below |
| Texas Ratio | 3.05% | 7.15% | -4.10% | 53rd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 179.81% | 1189.81% | -1010.00% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.46% | 12.46% | +0.00% | 70th above |
| Equity / Assets | 12.17% | 11.67% | +0.50% | 72nd above |
| TCE / Tangible Assets | 12.10% | 11.40% | +0.70% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.85% | 78.64% | +18.21% | 15th bottom |
| Core Deposit Ratio | 74.10% | 87.10% | -13.00% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.34% | 6.47% | +0.87% | 71st above |
| Loan Growth (Y/Y) | 11.46% | 7.64% | +3.82% | 78th top |
| Deposit Growth (Y/Y) | 6.02% | 6.02% | +0.00% | 64th above |
See First Freedom Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Freedom 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 Freedom Bank profile, how to read a UBPR, or how this data updates.