First Federal Savings & Loan Association of Pascagoula-Moss Point
Pascagoula, MS · Cert 30812 · Peer group: banks under $1B in assets (n=581-629)
State savings bank · OCC · 6 branches
Q2 2026
$381.4MAssets
$308.0MLoans
$276.2MDeposits
$35.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 70% of banks under $1B in assets (rank 180 of 581).
- Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets (rank 579 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.42%
Rank 521 of 629
Net Interest Margin
2.48%
Rank 570 of 629
Efficiency Ratio
80.16%
Rank 484 of 629
Equity / Assets
9.40%
Rank 438 of 629
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 23% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.42% | 0.60% | 1.01% | 1.45% | Beats 17% | 521 / 629 | | |
| Return on Equity | 4.45% | 5.38% | 9.30% | 13.28% | Beats 20% | 503 / 629 | | |
| Net Interest Margin | 2.48% | 3.03% | 3.54% | 4.05% | Beats 9% | 570 / 629 | | |
| Efficiency Ratio | 80.16% | 58.35% | 67.79% | 79.08% | Beats 23% | 484 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.09% | 0.46% | 1.20% | Beats 69% | 182 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 70% | 180 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.72% | 11.24% | 13.84% | 18.77% | Beats 8% | 577 / 629 | | |
| Total Risk-Based Capital Ratio | 9.72% | 11.58% | 14.43% | 19.66% | Beats 8% | 579 / 629 | | |
| Equity / Assets | 9.40% | 9.09% | 10.65% | 13.80% | Beats 30% | 438 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 111.54% | 67.24% | 80.90% | 93.48% | 96th pctl | 24 / 594 | | |
| Loans / Assets | 80.75% | 53.31% | 67.71% | 78.15% | 83rd pctl | 109 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |