Side-by-side · Q2 2026 data
First Bank vs Home Federal Savings and Loan Association
Bank
Home Federal Savings and Loan Association
Bamberg, South Carolina · Under $100 million in assets
Metric by metric
| Measure | First Bank | Home Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 74 | 77 (stronger) |
| Capital cushion | 65 | 94 (stronger) |
| Loan quality | 84 | 91 (stronger) |
| Earnings | 83 (stronger) | 35 |
| Funding & liquidity | 51 | 64 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 87th | 58th |
| Total assets | $13.0B | $40.5M |
| Deposits / shares | $11.1B | $33.9M |
| Capital ratio | 11.50% | 14.44% (stronger) |
| Problem loans | 0.49% | 0.28% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.56% (stronger) | 0.38% |
| Loans ÷ deposits | 80.0% (stronger) | 95.8% |
| Uninsured deposits | 41.0% | 11.4% (stronger) |
| Offices | 111 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Home Federal Savings and Loan Association has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 2 and Home Federal Savings and Loan Association on 5. 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.