Side-by-side · Q2 2026 data
First Federal Savings and Loan Association vs Cornerstone Community Bank
Bank
First Federal Savings and Loan Association
Morehead, Kentucky · Under $100 million in assets
Metric by metric
| Measure | First Federal Savings and Loan Association | Cornerstone Community Bank |
|---|---|---|
| TellerScore | 54 | 74 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 42 (stronger) | 7 |
| Funding & liquidity | 50 | 50 |
| Problem-loan coverage | 79 | 100 (stronger) |
| Peer percentile | 13th | 51st |
| Total assets | $41.3M | $44.5M |
| Deposits / shares | $30.3M | $19.9M |
| Capital ratio | 25.61% | 277.16% (stronger) |
| Problem loans | 3.07% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.54% (stronger) | -0.34% |
| Loans ÷ deposits | 120.1% | 14.3% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 63.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cornerstone Community Bank has the higher TellerScore (74 vs 54). On the 6 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association leads on 2 and Cornerstone Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.