Side-by-side · Q2 2026 data
First Federal Bank vs Emigrant Bank
Metric by metric
| Measure | First Federal Bank | Emigrant Bank |
|---|---|---|
| TellerScore | 50 | 55 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 1 (stronger) | 0 |
| Earnings | 68 (stronger) | 44 |
| Funding & liquidity | 72 (stronger) | 64 |
| Problem-loan coverage | 82 (stronger) | 69 |
| Peer percentile | 7th | 13th |
| Total assets | $4.5B | $5.7B |
| Deposits / shares | $3.4B | $4.2B |
| Capital ratio | 10.83% | 20.30% (stronger) |
| Problem loans | 2.96% (stronger) | 4.77% |
| Net charge-offs | 0.11% (stronger) | 0.67% |
| Return on assets | 1.19% (stronger) | 0.60% |
| Loans ÷ deposits | 41.4% (stronger) | 93.2% |
| Uninsured deposits | 40.7% | 17.5% (stronger) |
| Offices | 26 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.5% | — |
Emigrant Bank has the higher TellerScore (55 vs 50). On the 7 directional measures above (where higher or lower is clearly better), First Federal Bank leads on 4 and Emigrant Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.