Side-by-side · Q2 2026 data
Community First Bank, National Association vs The Waterford Commercial and Savings Bank
Metric by metric
| Measure | Community First Bank, National Association | The Waterford Commercial and Savings Bank |
|---|---|---|
| TellerScore | 70 | 83 (stronger) |
| Capital cushion | 44 | 86 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 40 | 52 (stronger) |
| Funding & liquidity | 91 (stronger) | 82 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 40th | 73rd |
| Total assets | $56.3M | $60.0M |
| Deposits / shares | $51.1M | $52.1M |
| Capital ratio | 9.38% | 13.60% (stronger) |
| Problem loans | 0.00% (stronger) | 0.09% |
| Net charge-offs | 0.01% | -0.13% (stronger) |
| Return on assets | 0.50% | 0.80% (stronger) |
| Loans ÷ deposits | 67.1% (stronger) | 78.2% |
| Uninsured deposits | 16.7% | 9.9% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
The Waterford Commercial and Savings Bank has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Community First Bank, National Association leads on 2 and The Waterford Commercial and Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.