First Federal Bank
Dickson, TN · Cert 29782 · Peer group: banks $1B-$10B in assets (n=322-328) · Southeastern Bcorp Inc.
SI · FDIC · 17 branches
Q2 2026
$1.1BAssets
$686.7MLoans
$978.6MDeposits
$115.9MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 78% of banks $1B-$10B in assets (rank 72 of 328).
- Widest gap: total risk-based capital ratio trails 94% of banks $1B-$10B in assets (rank 309 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.34%
Rank 122 of 328
Net Interest Margin
3.12%
Rank 232 of 328
Efficiency Ratio
50.73%
Rank 72 of 328
Equity / Assets
10.43%
Rank 161 of 328
Non-interest income vs. expense
Unfavorable gap of $13.9M · efficiency ratio beats 78% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.34% | 0.91% | 1.22% | 1.52% | Beats 63% | 122 / 328 | |
| Return on Equity | 12.88% | 8.43% | 11.45% | 14.43% | Beats 62% | 125 / 328 | |
| Net Interest Margin | 3.12% | 3.03% | 3.45% | 3.83% | Beats 29% | 232 / 328 | |
| Efficiency Ratio | 50.73% | 51.61% | 59.56% | 67.53% | Beats 78% | 72 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.24% | 0.51% | 1.03% | Beats 49% | 164 / 322 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 62% | 124 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 10.48% | 11.75% | 13.15% | 15.47% | Beats 9% | 300 / 328 | |
| Total Risk-Based Capital Ratio | 10.48% | 12.63% | 14.15% | 16.46% | Beats 6% | 309 / 328 | |
| Equity / Assets | 10.43% | 9.15% | 10.33% | 12.01% | Beats 51% | 161 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 70.17% | 76.63% | 87.92% | 95.36% | 15th pctl | 274 / 323 | |
| Loans / Assets | 61.77% | 65.18% | 74.15% | 79.98% | 20th pctl | 262 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |