| Metric | First Federal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.4% | +0.5 pts |
| Deposit growth (YoY) | +3.9% | +4.0% | -0.0 pts |
| Loan growth (YoY) | +6.9% | +5.6% | +1.3 pts |
| ROA | 0.29% | 1.24% | -0.9 pts |
| ROE | 4.3% | 11.9% | -7.5 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $275.6M | $250.5M | $200.9M | $18.7M | $396K | 0.29% | 3.26% | 0.35% |
| Q1 2026 | $272.1M | $247.9M | $199.4M | $18.0M | $129K | 0.19% | 3.24% | 0.39% |
| Q4 2025 | $271.9M | $247.5M | $195.8M | $18.2M | $778K | 0.30% | 3.19% | 0.41% |
| Q3 2025 | $261.7M | $238.2M | $193.9M | $17.5M | $520K | 0.27% | 3.15% | 0.62% |
| Q2 2025 | $262.7M | $241.0M | $187.9M | $15.7M | $280K | 0.22% | 3.07% | 0.62% |
| Q1 2025 | $262.6M | $240.0M | $185.1M | $16.6M | $123K | 0.19% | 2.97% | 0.60% |
| Q4 2024 | $254.1M | $228.5M | $186.1M | $16.0M | $323K | 0.13% | 2.84% | 0.28% |
| Q3 2024 | $253.1M | $229.8M | $180.8M | $17.3M | $238K | 0.12% | 2.84% | 0.29% |
Loan mix (Q2 2026): real estate $192.6M · commercial $7.5M · consumer $2.3M · securities $46.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.4% | 62.9% | 91th |
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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