Side-by-side · Q2 2026 data
Farmers State Bank vs First Federal Savings and Loan Association
Bank
First Federal Savings and Loan Association
Hazard, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Farmers State Bank | First Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 69 | 69 |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 64 (stronger) | 44 |
| Earnings | 65 (stronger) | 58 |
| Funding & liquidity | 90 (stronger) | 50 |
| Problem-loan coverage | 90 (stronger) | 87 |
| Peer percentile | 37th | 37th |
| Total assets | $69.3M | $81.3M |
| Deposits / shares | $62.5M | $56.6M |
| Capital ratio | 10.71% | 21.58% (stronger) |
| Problem loans | 1.07% (stronger) | 1.69% |
| Net charge-offs | 0.25% | 0.00% (stronger) |
| Return on assets | 1.13% (stronger) | 0.95% |
| Loans ÷ deposits | 44.8% (stronger) | 129.1% |
| Uninsured deposits | 24.1% | 4.1% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 3 and First Federal Savings and Loan Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.