First Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Savings and Loan Association of Mebane, NC against its peer group of 536 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 | 0.33% | 3.14% | -2.81% | 20th bottom |
| ROAE | 1.38% | 10.43% | -9.05% | 17th bottom |
| Net Interest Margin | 2.60% | 3.93% | -1.33% | 8th bottom |
| Efficiency Ratio | 87.21% | 76.28% | +10.93% | 21st bottom |
| PPNR / Avg Assets | 0.26% | 1.40% | -1.14% | 16th bottom |
| Yield on Earning Assets | 5.00% | 5.35% | -0.35% | 41st below |
| Cost of Funds | 2.98% | 1.70% | +1.28% | 8th bottom |
| Net Interest Spread | 1.99% | 3.31% | -1.32% | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 1.34% | -1.11% | 52nd above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.15% | 0.71% | -0.56% | 48th below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.51% | 1.49% | -0.98% | 3rd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 215.85% | 865.63% | -649.78% | 61st above |
| Texas Ratio | 0.60% | 8.26% | -7.66% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 55.57% | 61.88% | -6.31% | 79th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 55.57% | 61.89% | -6.32% | 79th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 56.30% | 62.85% | -6.55% | 79th top |
| Leverage Ratio | 23.92% | 17.59% | +6.33% | 84th top |
| Equity / Assets | 23.97% | 16.41% | +7.56% | 84th top |
| TCE / Tangible Assets | 23.97% | 16.16% | +7.81% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.25% | 72.81% | +11.44% | 24th bottom |
| Core Deposit Ratio | 81.80% | 88.22% | -6.42% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.24% | 4.32% | -9.56% | 12th bottom |
| Loan Growth (Y/Y) | -4.27% | 6.74% | -11.01% | 22nd bottom |
| Deposit Growth (Y/Y) | -7.02% | 3.79% | -10.81% | 9th bottom |
See First Savings and Loan Association's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Savings and Loan Association, 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 Savings and Loan Association profile, how to read a UBPR, or how this data updates.