Side-by-side · Q2 2026 data
First Bank of Berne vs Security Federal Savings Bank
Metric by metric
| Measure | First Bank of Berne | Security Federal Savings Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 68 |
| Capital cushion | 49 | 60 (stronger) |
| Loan quality | 84 | 90 (stronger) |
| Earnings | 100 (stronger) | 49 |
| Funding & liquidity | 52 | 53 (stronger) |
| Problem-loan coverage | 90 | 95 (stronger) |
| Peer percentile | 70th | 37th |
| Total assets | $1.1B | $464.4M |
| Deposits / shares | $973.2M | $400.4M |
| Capital ratio | 9.92% | 10.96% (stronger) |
| Problem loans | 0.47% | 0.31% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 2.07% (stronger) | 0.73% |
| Loans ÷ deposits | 80.6% (stronger) | 96.5% |
| Uninsured deposits | 40.0% | 25.1% (stronger) |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 7.5% |
First Bank of Berne has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Berne leads on 4 and Security Federal Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.