Side-by-side · Q2 2026 data
Commercial Bank vs First Federal Savings and Loan Association
Bank
First Federal Savings and Loan Association
Hazard, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Commercial Bank | First Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 77 (stronger) | 69 |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 88 (stronger) | 44 |
| Earnings | 93 (stronger) | 58 |
| Funding & liquidity | 49 | 50 (stronger) |
| Problem-loan coverage | 95 (stronger) | 87 |
| Peer percentile | 83rd | 37th |
| Total assets | $2.4B | $81.3M |
| Deposits / shares | $1.9B | $56.6M |
| Capital ratio | 11.58% | 21.58% (stronger) |
| Problem loans | 0.35% (stronger) | 1.69% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.82% (stronger) | 0.95% |
| Loans ÷ deposits | 100.2% (stronger) | 129.1% |
| Uninsured deposits | 24.9% | 4.1% (stronger) |
| Offices | 34 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | — |
Commercial Bank has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 5 and First Federal Savings and Loan Association on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.