Side-by-side · Q2 2026 data
Centennial Bank vs First Federal Bank
Metric by metric
| Measure | Centennial Bank | First Federal Bank |
|---|---|---|
| TellerScore | 59 | 71 (stronger) |
| Capital cushion | 48 | 55 (stronger) |
| Loan quality | 58 | 83 (stronger) |
| Earnings | 59 | 84 (stronger) |
| Funding & liquidity | 69 (stronger) | 53 |
| Problem-loan coverage | 83 | 94 (stronger) |
| Peer percentile | 19th | 63rd |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $940.1M | $978.6M |
| Capital ratio | 9.82% | 10.48% (stronger) |
| Problem loans | 1.26% | 0.52% (stronger) |
| Net charge-offs | 0.19% | 0.01% (stronger) |
| Return on assets | 0.98% | 1.61% (stronger) |
| Loans ÷ deposits | 78.5% | 68.8% (stronger) |
| Uninsured deposits | 26.2% (stronger) | 49.5% |
| Offices | 14 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | 10.0% |
First Federal Bank has the higher TellerScore (71 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Centennial Bank leads on 1 and First Federal Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.