Side-by-side · Q2 2026 data
Bank of Alma vs Cumberland Federal Bank, FSB
Metric by metric
| Measure | Bank of Alma | Cumberland Federal Bank, FSB |
|---|---|---|
| TellerScore | 83 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 68 | 94 (stronger) |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 44 | 99 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 84th | 72nd |
| Total assets | $339.5M | $341.6M |
| Deposits / shares | $166.3M | $287.5M |
| Capital ratio | 50.77% (stronger) | 10.06% |
| Problem loans | 0.97% | 0.19% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 3.16% (stronger) | 1.39% |
| Loans ÷ deposits | 119.5% | 60.9% (stronger) |
| Uninsured deposits | 20.3% | 14.4% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Alma has the higher TellerScore (83 vs 78). On the 6 directional measures above (where higher or lower is clearly better), Bank of Alma leads on 3 and Cumberland Federal Bank, FSB on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.