First Federal Community Bank, SSB: how it compares with its peers
Against 133 TX banks with half to twice its assets, First Federal Community Bank, SSB's strongest measure in Q2 2026 is assets per employee ($7.3M vs. a $7.8M peer median). Its weakest relative measure is return on assets (1.03% vs. 1.45%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.03% | 1.45% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.91% | 4.18% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.51% | 60.89% | Bottom third Ahead of 27% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $7.8M | Middle third Ahead of 42% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.84% | 76.74% | Context |
What it means for lending operations
Its efficiency ratio of 68.51% is above the 60.89% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Falls City National Bank Falls City, TX · $597M
- Gulf Capital Bank Houston, TX · $596M
- The First National Bank of East Texas Gilmer, TX · $595M
- NBT Financial Bank Fort Worth, TX · $619M
- First National Bank of Huntsville Huntsville, TX · $585M
- The Bank and Trust, S.S.B. Del Rio, TX · $584M
Questions about First Federal Community Bank, SSB
How big is First Federal Community Bank, SSB?
First Federal Community Bank, SSB, established in 1922, is headquartered in Paris, TX. It reported $604M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First Federal Community Bank, SSB's return on assets?
1.03% annualized in Q2 2026, against a 1.45% median for 133 TX banks with half to twice its assets, ahead of 25% of them.
What is First Federal Community Bank, SSB's efficiency ratio?
68.51% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 60.89%, and lower is better.
Is First Federal Community Bank, SSB growing its loans?
Net loans shrank 0.3% over the year to Q2 2026, while deposits grew 2.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.