First Federal Community Bank, SSB
Paris, TX · Cert 27678 · Peer group: banks under $1B in assets in TX (n=208-211) · First Federal Community MHC
SI · FDIC · 4 branches
Q2 2026
$603.6MAssets
$473.6MLoans
$520.4MDeposits
$78.3MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 75% of banks under $1B in assets in TX (rank 52 of 211).
- Widest gap: return on equity trails 73% of banks under $1B in assets in TX (rank 153 of 211).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.04%
Rank 128 of 211
Net Interest Margin
3.66%
Rank 120 of 211
Efficiency Ratio
68.51%
Rank 138 of 211
Equity / Assets
12.97%
Rank 52 of 211
Non-interest income vs. expense
Unfavorable gap of $14.2M · efficiency ratio beats 35% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.87% | 1.20% | 1.65% | Beats 39% | 128 / 211 | |
| Return on Equity | 7.99% | 7.52% | 11.67% | 14.58% | Beats 27% | 153 / 211 | |
| Net Interest Margin | 3.66% | 3.28% | 3.82% | 4.31% | Beats 43% | 120 / 211 | |
| Efficiency Ratio | 68.51% | 53.01% | 64.18% | 73.65% | Beats 35% | 138 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.01% | 0.30% | 1.10% | Beats 33% | 141 / 208 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 59% | 87 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 13.10% | 11.72% | 14.45% | 19.57% | Beats 41% | 124 / 211 | |
| Total Risk-Based Capital Ratio | 13.10% | 11.94% | 14.78% | 20.30% | Beats 40% | 127 / 211 | |
| Equity / Assets | 12.97% | 9.41% | 11.06% | 12.94% | Beats 75% | 52 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 91.02% | 45.39% | 66.56% | 82.03% | 91st pctl | 19 / 208 | |
| Loans / Assets | 78.46% | 39.13% | 56.90% | 70.46% | 91st pctl | 18 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |