First Federal Bank: how it compares with its peers
Against 39 TN banks with half to twice its assets, First Federal Bank's strongest measure in Q2 2026 is efficiency ratio (50.07% vs. a 57.93% peer median). Its weakest relative measure is net interest margin (3.31% vs. 3.95%).
| Measure | First Federal Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.61% | 1.26% | Middle third Ahead of 64% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.31% | 3.95% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.07% | 57.93% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $7.0M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.80% | 81.75% | Context |
What it means for lending operations
Its efficiency ratio of 50.07% is better than the 57.93% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Thread Bank Rogersville, TN · $1.11B
- Financial Federal Bank Memphis, TN · $1.12B
- The Bank of Fayette County Piperton, TN · $1.14B
- Commercial Bank & Trust Co. Paris, TN · $1.08B
- InsBank Nashville, TN · $1.08B
- Centennial Bank Trezevant, TN · $1.06B
Questions about First Federal Bank
How big is First Federal Bank?
First Federal Bank, established in 1936, is headquartered in Dickson, TN. It reported $1.11B in total assets in its Q2 2026 FDIC call report and operates 17 offices.
What is First Federal Bank's return on assets?
1.61% annualized in Q2 2026, against a 1.26% median for 39 TN banks with half to twice its assets, ahead of 64% of them.
What is First Federal Bank's efficiency ratio?
50.07% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 57.93%, and lower is better.
Is First Federal Bank growing its loans?
Net loans grew 16.0% over the year to Q2 2026, while deposits grew 5.1%.
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 TN 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 Tennessee bank ranked.