Side-by-side · Q2 2026 data
First Federal Savings and Loan Association vs SSB Community Bank
Metric by metric
| Measure | First Federal Savings and Loan Association | SSB Community Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 67 |
| Capital cushion | 92 (stronger) | 24 |
| Loan quality | 57 | 95 (stronger) |
| Earnings | 40 | 83 (stronger) |
| Funding & liquidity | 75 (stronger) | 62 |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 43rd | 34th |
| Total assets | $293.5M | $296.8M |
| Deposits / shares | $250.7M | $262.3M |
| Capital ratio | 14.18% (stronger) | 7.36% |
| Problem loans | 1.28% | 0.14% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.50% | 1.57% (stronger) |
| Loans ÷ deposits | 83.7% (stronger) | 98.7% |
| Uninsured deposits | 16.3% | 11.5% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Federal Savings and Loan Association has the higher TellerScore (70 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association leads on 3 and SSB Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.