Side-by-side · Q2 2026 data
First Federal Bank vs U. S. Century Bank
Metric by metric
| Measure | First Federal Bank | U. S. Century Bank |
|---|---|---|
| TellerScore | 50 | 69 (stronger) |
| Capital cushion | 58 (stronger) | 50 |
| Loan quality | 1 | 97 (stronger) |
| Earnings | 68 | 80 (stronger) |
| Funding & liquidity | 72 (stronger) | 24 |
| Problem-loan coverage | 82 | 99 (stronger) |
| Peer percentile | 7th | 53rd |
| Total assets | $4.5B | $3.0B |
| Deposits / shares | $3.4B | $2.5B |
| Capital ratio | 10.83% (stronger) | 9.97% |
| Problem loans | 2.96% | 0.09% (stronger) |
| Net charge-offs | 0.11% | 0.03% (stronger) |
| Return on assets | 1.19% | 1.49% (stronger) |
| Loans ÷ deposits | 41.4% (stronger) | 92.5% |
| Uninsured deposits | 40.7% (stronger) | 54.3% |
| Offices | 26 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.5% | 1.9% |
U. S. Century Bank has the higher TellerScore (69 vs 50). On the 7 directional measures above (where higher or lower is clearly better), First Federal Bank leads on 3 and U. S. Century Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.