Side-by-side · Q2 2026 data
Citizens Bank vs First Federal Savings and Loan Association
Bank
First Federal Savings and Loan Association
Pascagoula, Mississippi · $100 million – $1 billion
Metric by metric
| Measure | Citizens Bank | First Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 90 (stronger) | 61 |
| Capital cushion | 85 (stronger) | 47 |
| Loan quality | 89 | 95 (stronger) |
| Earnings | 100 (stronger) | 37 |
| Funding & liquidity | 86 (stronger) | 42 |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 95th | 20th |
| Total assets | $466.3M | $381.4M |
| Deposits / shares | $401.3M | $276.2M |
| Capital ratio | 13.48% (stronger) | 9.72% |
| Problem loans | 0.33% | 0.16% (stronger) |
| Net charge-offs | 0.26% | 0.00% (stronger) |
| Return on assets | 2.40% (stronger) | 0.42% |
| Loans ÷ deposits | 73.2% (stronger) | 111.1% |
| Uninsured deposits | 16.0% (stronger) | 22.4% |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 12.0% |
Citizens Bank has the higher TellerScore (90 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 5 and First Federal Savings and Loan Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.