Side-by-side · Q2 2026 data
First Federal Savings and Loan Association vs Whitaker 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 | Whitaker Bank |
|---|---|---|
| TellerScore | 54 | 84 (stronger) |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 0 | 93 (stronger) |
| Earnings | 42 | 77 (stronger) |
| Funding & liquidity | 50 | 80 (stronger) |
| Problem-loan coverage | 79 | 98 (stronger) |
| Peer percentile | 13th | 95th |
| Total assets | $41.3M | $1.9B |
| Deposits / shares | $30.3M | $1.6B |
| Capital ratio | 25.61% (stronger) | 12.89% |
| Problem loans | 3.07% | 0.21% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 0.54% | 1.42% (stronger) |
| Loans ÷ deposits | 120.1% | 67.3% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 26.8% |
| Offices | 1 | 44 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Whitaker Bank has the higher TellerScore (84 vs 54). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association leads on 3 and Whitaker Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.