Side-by-side · Q2 2026 data
Community State Bank vs First Federal Savings Bank
Metric by metric
| Measure | Community State Bank | First Federal Savings Bank |
|---|---|---|
| TellerScore | 63 (stronger) | 61 |
| Capital cushion | 45 | 45 |
| Loan quality | 84 | 92 (stronger) |
| Earnings | 60 (stronger) | 35 |
| Funding & liquidity | 49 | 52 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 24th | 20th |
| Total assets | $553.6M | $575.6M |
| Deposits / shares | $502.3M | $472.8M |
| Capital ratio | 9.51% | 9.54% (stronger) |
| Problem loans | 0.48% | 0.24% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.00% (stronger) | 0.37% |
| Loans ÷ deposits | 78.5% (stronger) | 89.8% |
| Uninsured deposits | 44.5% | 31.0% (stronger) |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.7% |
Community State Bank has the higher TellerScore (63 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank leads on 4 and First Federal Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.