| Metric | First Federal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +5.5% | -0.1 pts |
| Deposit growth (YoY) | +5.1% | +5.1% | +0.0 pts |
| Loan growth (YoY) | +16.0% | +5.9% | +10.0 pts |
| ROA | 1.61% | 1.26% | +0.3 pts |
| ROE | 15.4% | 12.2% | +3.2 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.11B | $978.6M | $673.3M | $115.9M | $8.8M | 1.61% | 3.31% | 0.32% |
| Q1 2026 | $1.10B | $969.7M | $641.5M | $114.2M | $4.1M | 1.50% | 3.20% | 0.36% |
| Q4 2025 | $1.07B | $943.5M | $607.8M | $113.5M | $16.3M | 1.58% | 3.36% | 0.25% |
| Q3 2025 | $1.06B | $932.0M | $589.5M | $111.0M | $11.9M | 1.56% | 3.38% | 0.22% |
| Q2 2025 | $1.06B | $931.4M | $580.6M | $109.4M | $8.6M | 1.71% | 3.42% | 0.32% |
| Q1 2025 | $975.3M | $855.0M | $555.3M | $106.4M | $4.0M | 1.63% | 3.35% | 0.26% |
| Q4 2024 | $981.7M | $862.8M | $562.5M | $103.9M | $14.6M | 1.48% | 3.49% | 0.33% |
| Q3 2024 | $991.5M | $873.6M | $558.1M | $103.3M | $10.1M | 1.37% | 3.28% | 0.10% |
Loan mix (Q2 2026): real estate $609.4M · commercial $16.6M · consumer $20.6M · securities $253.0M
| Ratio | First Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.26% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 12.2% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.1% | 59.0% | 24th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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