First Federal Savings and Loan Association: how it compares with its peers
Against 25 KY banks with half to twice its assets, First Federal Savings and Loan Association's strongest measure in Q2 2026 is assets per employee ($8.1M vs. a $4.8M peer median). Its weakest relative measure is net interest margin (3.30% vs. 4.14%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.95% | 0.87% | Middle third Ahead of 60% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.30% | 4.14% | Bottom third Ahead of 16% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.44% | 73.14% | Top third Ahead of 80% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $4.8M | Top third Ahead of 92% of peers |
| Loans to deposits Net loans and leases over total deposits. | 129.14% | 77.44% | Context |
What it means for lending operations
Its efficiency ratio of 59.44% is better than the 73.14% 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
- The First National Bank of Brooksville Brooksville, KY · $74M
- Security Bank and Trust Co. Maysville, KY · $72M
- Clinton Bank Clinton, KY · $70M
- Farmers State Bank Booneville, KY · $69M
- Citizens Bank of Cumberland County, Inc. Burkesville, KY · $95M
- Farmers & Traders Bank of Campton Campton, KY · $67M
Questions about First Federal Savings and Loan Association
How big is First Federal Savings and Loan Association?
First Federal Savings and Loan Association, established in 1960, is headquartered in Hazard, KY. It reported $81M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is First Federal Savings and Loan Association's return on assets?
0.95% annualized in Q2 2026, against a 0.87% median for 25 KY banks with half to twice its assets, ahead of 60% of them.
What is First Federal Savings and Loan Association's efficiency ratio?
59.44% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 73.14%, and lower is better.
Is First Federal Savings and Loan Association growing its loans?
Net loans shrank 5.3% over the year to Q2 2026, while deposits shrank 4.8%.
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 KY 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 Kentucky bank ranked.