Side-by-side · Q2 2026 data
Citizens Guaranty Bank vs First Federal Savings Bank of Kentucky
Metric by metric
| Measure | Citizens Guaranty Bank | First Federal Savings Bank of Kentucky |
|---|---|---|
| TellerScore | 48 | 64 (stronger) |
| Capital cushion | 36 | 55 (stronger) |
| Loan quality | 30 | 85 (stronger) |
| Earnings | 80 (stronger) | 48 |
| Funding & liquidity | 53 (stronger) | 50 |
| Problem-loan coverage | 53 | 93 (stronger) |
| Peer percentile | 6th | 26th |
| Total assets | $303.6M | $282.6M |
| Deposits / shares | $260.7M | $207.8M |
| Capital ratio | 8.65% | 10.48% (stronger) |
| Problem loans | 2.11% | 0.44% (stronger) |
| Net charge-offs | 0.32% | 0.12% (stronger) |
| Return on assets | 1.51% (stronger) | 0.70% |
| Loans ÷ deposits | 107.0% (stronger) | 119.1% |
| Uninsured deposits | 14.1% | 7.8% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Federal Savings Bank of Kentucky has the higher TellerScore (64 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Citizens Guaranty Bank leads on 2 and First Federal Savings Bank of Kentucky on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.