Side-by-side · Q2 2026 data
First Federal Savings and Loan Association of Valdosta vs Community Bank of Georgia
Bank
First Federal Savings and Loan Association of Valdosta
Valdosta, Georgia · $100 million – $1 billion
Metric by metric
| Measure | First Federal Savings and Loan Association of Valdosta | Community Bank of Georgia |
|---|---|---|
| TellerScore | 57 | 74 (stronger) |
| Capital cushion | 73 (stronger) | 60 |
| Loan quality | 40 | 65 (stronger) |
| Earnings | 53 | 94 (stronger) |
| Funding & liquidity | 47 | 83 (stronger) |
| Problem-loan coverage | 75 | 87 (stronger) |
| Peer percentile | 14th | 57th |
| Total assets | $278.5M | $269.5M |
| Deposits / shares | $208.5M | $239.6M |
| Capital ratio | 12.26% (stronger) | 10.99% |
| Problem loans | 1.79% | 1.05% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.10% |
| Return on assets | 0.83% | 1.85% (stronger) |
| Loans ÷ deposits | 116.7% | 77.1% (stronger) |
| Uninsured deposits | 17.9% | 14.8% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Community Bank of Georgia has the higher TellerScore (74 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association of Valdosta leads on 2 and Community Bank of Georgia on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.