Side-by-side · Q2 2026 data
Commercial Banking Company vs First Federal Savings and Loan Association of Valdosta
Bank
First Federal Savings and Loan Association of Valdosta
Valdosta, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Commercial Banking Company | First Federal Savings and Loan Association of Valdosta |
|---|---|---|
| TellerScore | 79 (stronger) | 57 |
| Capital cushion | 53 | 73 (stronger) |
| Loan quality | 99 (stronger) | 40 |
| Earnings | 98 (stronger) | 53 |
| Funding & liquidity | 57 (stronger) | 47 |
| Problem-loan coverage | 99 (stronger) | 75 |
| Peer percentile | 75th | 14th |
| Total assets | $409.5M | $278.5M |
| Deposits / shares | $361.6M | $208.5M |
| Capital ratio | 10.32% | 12.26% (stronger) |
| Problem loans | 0.04% (stronger) | 1.79% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.94% (stronger) | 0.83% |
| Loans ÷ deposits | 83.3% (stronger) | 116.7% |
| Uninsured deposits | 33.1% | 17.9% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.6% | 0.0% |
Commercial Banking Company has the higher TellerScore (79 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Commercial Banking Company leads on 5 and First Federal Savings and Loan Association of Valdosta on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.