First Federal Bank
Dunn, NC · Cert 31077 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Federal Financial Corp.
State savings bank · OCC · 7 branches
Q2 2026
$275.6MAssets
$202.6MLoans
$250.5MDeposits
$18.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: equity / assets trails 95% of banks under $1B in assets operating in a single state (rank 708 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.29%
Rank 675 of 746
Net Interest Margin
3.04%
Rank 603 of 746
Efficiency Ratio
85.36%
Rank 669 of 746
Equity / Assets
6.77%
Rank 708 of 746
Non-interest income vs. expense
Unfavorable gap of $7.1M · efficiency ratio beats 10% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.29% | 0.72% | 1.06% | 1.45% | Beats 10% | 675 / 746 | | |
| Return on Equity | 4.24% | 6.74% | 10.51% | 13.63% | Beats 15% | 633 / 746 | | |
| Net Interest Margin | 3.04% | 3.17% | 3.68% | 4.16% | Beats 19% | 603 / 746 | | |
| Efficiency Ratio | 85.36% | 55.74% | 64.58% | 75.47% | Beats 10% | 669 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.09% | 0.42% | 1.07% | Beats 47% | 392 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 15.47% | 11.55% | 13.75% | 17.60% | Beats 65% | 258 / 746 | | |
| Total Risk-Based Capital Ratio | 16.59% | 11.71% | 14.33% | 18.43% | Beats 67% | 246 / 746 | | |
| Equity / Assets | 6.77% | 8.90% | 10.51% | 13.06% | Beats 5% | 708 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.87% | 61.31% | 78.27% | 90.78% | 56th pctl | 331 / 746 | | |
| Loans / Assets | 73.52% | 53.60% | 66.97% | 76.08% | 68th pctl | 240 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |