Side-by-side · Q2 2026 data
First National Bank of Scotia vs Carver Federal Savings Bank
Metric by metric
| Measure | First National Bank of Scotia | Carver Federal Savings Bank |
|---|---|---|
| TellerScore | 55 (stronger) | 23 |
| Capital cushion | 42 (stronger) | 37 |
| Loan quality | 50 (stronger) | 0 |
| Earnings | 49 (stronger) | 0 |
| Funding & liquidity | 78 (stronger) | 59 |
| Problem-loan coverage | 79 (stronger) | 28 |
| Peer percentile | 11th | 0th |
| Total assets | $719.0M | $658.1M |
| Deposits / shares | $632.0M | $580.6M |
| Capital ratio | 9.22% (stronger) | 8.73% |
| Problem loans | 1.50% (stronger) | 3.46% |
| Net charge-offs | 0.14% (stronger) | 0.21% |
| Return on assets | 0.74% (stronger) | -0.72% |
| Loans ÷ deposits | 80.9% (stronger) | 94.0% |
| Uninsured deposits | 16.4% (stronger) | 21.5% |
| Offices | 10 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | — |
First National Bank of Scotia has the higher TellerScore (55 vs 23). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Scotia leads on 7 and Carver Federal Savings Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.