Side-by-side · Q2 2026 data
Bank of Wolcott vs Bedford Federal Savings Bank
Metric by metric
| Measure | Bank of Wolcott | Bedford Federal Savings Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 58 |
| Capital cushion | 70 (stronger) | 50 |
| Loan quality | 86 (stronger) | 44 |
| Earnings | 88 (stronger) | 84 |
| Funding & liquidity | 73 (stronger) | 49 |
| Problem-loan coverage | 95 (stronger) | 74 |
| Peer percentile | 80th | 16th |
| Total assets | $280.3M | $303.0M |
| Deposits / shares | $234.2M | $261.7M |
| Capital ratio | 12.01% (stronger) | 9.96% |
| Problem loans | 0.43% (stronger) | 1.69% |
| Net charge-offs | -0.00% (stronger) | 0.08% |
| Return on assets | 1.69% (stronger) | 1.60% |
| Loans ÷ deposits | 60.2% (stronger) | 92.4% |
| Uninsured deposits | 39.2% | 31.6% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Bank of Wolcott has the higher TellerScore (81 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Bank of Wolcott leads on 6 and Bedford Federal Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.