Side-by-side · Q2 2026 data
First Federal Savings Bank vs Crossroads Bank
Metric by metric
| Measure | First Federal Savings Bank | Crossroads Bank |
|---|---|---|
| TellerScore | 54 | 57 (stronger) |
| Capital cushion | 55 (stronger) | 45 |
| Loan quality | 37 | 53 (stronger) |
| Earnings | 71 (stronger) | 65 |
| Funding & liquidity | 43 | 60 (stronger) |
| Problem-loan coverage | 74 | 78 (stronger) |
| Peer percentile | 10th | 14th |
| Total assets | $553.6M | $616.1M |
| Deposits / shares | $459.9M | $548.8M |
| Capital ratio | 10.46% (stronger) | 9.49% |
| Problem loans | 1.88% | 1.41% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.27% (stronger) | 1.13% |
| Loans ÷ deposits | 89.8% | 82.0% (stronger) |
| Uninsured deposits | 39.7% | 31.0% (stronger) |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | 4.7% |
Crossroads Bank has the higher TellerScore (57 vs 54). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings Bank leads on 2 and Crossroads Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.