Side-by-side · Q2 2026 data
First Federal Bank vs TowneBank
Metric by metric
| Measure | First Federal Bank | TowneBank |
|---|---|---|
| TellerScore | 59 | 74 (stronger) |
| Capital cushion | 42 | 50 (stronger) |
| Loan quality | 84 | 93 (stronger) |
| Earnings | 32 | 100 (stronger) |
| Funding & liquidity | 64 (stronger) | 43 |
| Problem-loan coverage | 91 | 97 (stronger) |
| Peer percentile | 17th | 87th |
| Total assets | $275.6M | $22.6B |
| Deposits / shares | $250.5M | $18.8B |
| Capital ratio | 9.25% | 10.00% (stronger) |
| Problem loans | 0.47% | 0.22% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.10% |
| Return on assets | 0.29% | 2.17% (stronger) |
| Loans ÷ deposits | 80.2% (stronger) | 81.2% |
| Uninsured deposits | 29.9% (stronger) | 48.0% |
| Offices | 6 | 77 |
| CFPB complaints (3 yrs) | — | 39 |
| Complaints per $1B deposits | — | 2.1 |
| Mortgage denial rate (HMDA) | 0.0% | 6.6% |
TowneBank has the higher TellerScore (74 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First Federal Bank leads on 3 and TowneBank on 4. 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.