Side-by-side · Q2 2026 data
Community Spirit Bank vs Friend Bank
Metric by metric
| Measure | Community Spirit Bank | Friend Bank |
|---|---|---|
| TellerScore | 77 | 85 (stronger) |
| Capital cushion | 47 | 85 (stronger) |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 75 | 87 (stronger) |
| Funding & liquidity | 84 (stronger) | 75 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 68th | 88th |
| Total assets | $228.8M | $221.0M |
| Deposits / shares | $205.7M | $190.9M |
| Capital ratio | 9.73% | 13.52% (stronger) |
| Problem loans | 0.00% (stronger) | 0.48% |
| Net charge-offs | 0.34% | -0.12% (stronger) |
| Return on assets | 1.39% | 1.67% (stronger) |
| Loans ÷ deposits | 72.5% (stronger) | 73.3% |
| Uninsured deposits | 18.0% (stronger) | 25.4% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.8% |
Friend Bank has the higher TellerScore (85 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Community Spirit Bank leads on 3 and Friend Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.