Side-by-side · Q2 2026 data
Audubon State Bank vs Federation Bank
Metric by metric
| Measure | Audubon State Bank | Federation Bank |
|---|---|---|
| TellerScore | 78 | 83 (stronger) |
| Capital cushion | 55 | 55 |
| Loan quality | 93 | 93 |
| Earnings | 100 (stronger) | 91 |
| Funding & liquidity | 54 | 99 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 72nd | 84th |
| Total assets | $155.3M | $155.8M |
| Deposits / shares | $131.0M | $133.8M |
| Capital ratio | 10.46% | 10.49% (stronger) |
| Problem loans | 0.20% | 0.20% (stronger) |
| Net charge-offs | 0.00% | -0.06% (stronger) |
| Return on assets | 2.38% (stronger) | 1.79% |
| Loans ÷ deposits | 93.0% | 61.0% (stronger) |
| Uninsured deposits | 26.7% | 6.3% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.4% |
Federation Bank has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Audubon State Bank leads on 1 and Federation Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.