Side-by-side · Q2 2026 data
First Federal Community Bank, SSB vs Gulf Capital Bank
Metric by metric
| Measure | First Federal Community Bank, SSB | Gulf Capital Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 71 |
| Capital cushion | 81 | 88 (stronger) |
| Loan quality | 75 | 78 (stronger) |
| Earnings | 61 (stronger) | 48 |
| Funding & liquidity | 63 (stronger) | 43 |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 57th | 47th |
| Total assets | $603.6M | $596.5M |
| Deposits / shares | $520.4M | $497.3M |
| Capital ratio | 13.10% | 13.78% (stronger) |
| Problem loans | 0.75% | 0.65% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.03% (stronger) | 0.71% |
| Loans ÷ deposits | 89.8% | 74.8% (stronger) |
| Uninsured deposits | 21.2% (stronger) | 52.8% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Federal Community Bank, SSB has the higher TellerScore (74 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Federal Community Bank, SSB leads on 4 and Gulf Capital Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.