Financial Federal Bank
Memphis, TN · Cert 31840 · Peer group: banks $1B-$10B in assets (n=322-328) · Financial Fedcorp Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
$1.1BAssets
$1.1BLoans
$879.7MDeposits
$110.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 91% of banks $1B-$10B in assets (rank 30 of 322).
- Widest gap: total risk-based capital ratio trails 97% of banks $1B-$10B in assets (rank 317 of 328).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.84%
Rank 262 of 328
Net Interest Margin
2.58%
Rank 306 of 328
Efficiency Ratio
55.51%
Rank 121 of 328
Equity / Assets
9.81%
Rank 196 of 328
Non-interest income vs. expense
Unfavorable gap of $15.1M · efficiency ratio beats 63% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.91% | 1.22% | 1.52% | Beats 20% | 262 / 328 | | |
| Return on Equity | 8.55% | 8.43% | 11.45% | 14.43% | Beats 26% | 242 / 328 | | |
| Net Interest Margin | 2.58% | 3.03% | 3.45% | 3.83% | Beats 7% | 306 / 328 | | |
| Efficiency Ratio | 55.51% | 51.61% | 59.56% | 67.53% | Beats 63% | 121 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.24% | 0.51% | 1.03% | Beats 91% | 30 / 322 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 64% | 117 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 9.92% | 11.75% | 13.15% | 15.47% | Beats 5% | 313 / 328 | | |
| Total Risk-Based Capital Ratio | 9.92% | 12.63% | 14.15% | 16.46% | Beats 3% | 317 / 328 | | |
| Equity / Assets | 9.81% | 9.15% | 10.33% | 12.01% | Beats 40% | 196 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 122.89% | 76.63% | 87.92% | 95.36% | 98th pctl | 6 / 323 | | |
| Loans / Assets | 96.23% | 65.18% | 74.15% | 79.98% | 99th pctl | 2 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |