Side-by-side · Q2 2026 data
First Federal Savings and Loan Association vs Citizens Bank of Cumberland County, Inc.
Bank
First Federal Savings and Loan Association
Hazard, Kentucky · Under $100 million in assets
Bank
Citizens Bank of Cumberland County, Inc.
Burkesville, Kentucky · Under $100 million in assets
Metric by metric
| Measure | First Federal Savings and Loan Association | Citizens Bank of Cumberland County, Inc. |
|---|---|---|
| TellerScore | 69 | 84 (stronger) |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 44 | 83 (stronger) |
| Earnings | 58 | 100 (stronger) |
| Funding & liquidity | 50 | 77 (stronger) |
| Problem-loan coverage | 87 | 94 (stronger) |
| Peer percentile | 37th | 76th |
| Total assets | $81.3M | $94.9M |
| Deposits / shares | $56.6M | $80.5M |
| Capital ratio | 21.58% (stronger) | 12.25% |
| Problem loans | 1.69% | 0.51% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 0.95% | 2.06% (stronger) |
| Loans ÷ deposits | 129.1% | 83.6% (stronger) |
| Uninsured deposits | 4.1% (stronger) | 12.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank of Cumberland County, Inc. has the higher TellerScore (84 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association leads on 3 and Citizens Bank of Cumberland County, Inc. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.