Side-by-side · Q2 2026 data
First Federal Savings and Loan Association vs The Home Loan Savings Bank
Metric by metric
| Measure | First Federal Savings and Loan Association | The Home Loan Savings Bank |
|---|---|---|
| TellerScore | 70 | 77 (stronger) |
| Capital cushion | 92 (stronger) | 67 |
| Loan quality | 57 | 81 (stronger) |
| Earnings | 40 | 100 (stronger) |
| Funding & liquidity | 75 (stronger) | 47 |
| Problem-loan coverage | 87 | 92 (stronger) |
| Peer percentile | 43rd | 68th |
| Total assets | $293.5M | $386.7M |
| Deposits / shares | $250.7M | $320.6M |
| Capital ratio | 14.18% (stronger) | 11.68% |
| Problem loans | 1.28% | 0.58% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.09% |
| Return on assets | 0.50% | 2.45% (stronger) |
| Loans ÷ deposits | 83.7% (stronger) | 108.7% |
| Uninsured deposits | 16.3% (stronger) | 19.3% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.7% |
The Home Loan Savings Bank has the higher TellerScore (77 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association leads on 4 and The Home Loan Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.