Side-by-side · Q2 2026 data
Community Trust Bank, Inc. vs First Federal Savings and Loan Association
Bank
First Federal Savings and Loan Association
Morehead, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Community Trust Bank, Inc. | First Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 80 (stronger) | 54 |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 81 (stronger) | 0 |
| Earnings | 86 (stronger) | 42 |
| Funding & liquidity | 55 (stronger) | 50 |
| Problem-loan coverage | 93 (stronger) | 79 |
| Peer percentile | 90th | 13th |
| Total assets | $6.9B | $41.3M |
| Deposits / shares | $5.7B | $30.3M |
| Capital ratio | 13.43% | 25.61% (stronger) |
| Problem loans | 0.58% (stronger) | 3.07% |
| Net charge-offs | 0.09% | 0.00% (stronger) |
| Return on assets | 1.64% (stronger) | 0.54% |
| Loans ÷ deposits | 89.3% (stronger) | 120.1% |
| Uninsured deposits | 29.6% | 4.6% (stronger) |
| Offices | 78 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.9% | — |
Community Trust Bank, Inc. has the higher TellerScore (80 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Community Trust Bank, Inc. leads on 4 and First Federal Savings and Loan Association on 3. 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.