Side-by-side · Q2 2026 data
First Federal Savings and Loan Association vs 1st Trust Bank, Inc.
Bank
First Federal Savings and Loan Association
Hazard, Kentucky · Under $100 million in assets
Metric by metric
| Measure | First Federal Savings and Loan Association | 1st Trust Bank, Inc. |
|---|---|---|
| TellerScore | 69 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 44 | 95 (stronger) |
| Earnings | 58 (stronger) | 50 |
| Funding & liquidity | 50 (stronger) | 47 |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 37th | 26th |
| Total assets | $81.3M | $351.7M |
| Deposits / shares | $56.6M | $309.2M |
| Capital ratio | 21.58% (stronger) | 9.65% |
| Problem loans | 1.69% | 0.15% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 0.95% (stronger) | 0.75% |
| Loans ÷ deposits | 129.1% | 95.5% (stronger) |
| Uninsured deposits | 4.1% (stronger) | 30.7% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Federal Savings and Loan Association has the higher TellerScore (69 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association leads on 5 and 1st Trust Bank, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.