Side-by-side · Q2 2026 data
First National Bank of Scotia vs Community Federal Savings Bank
Metric by metric
| Measure | First National Bank of Scotia | Community Federal Savings Bank |
|---|---|---|
| TellerScore | 55 (stronger) | 53 |
| Capital cushion | 42 | 49 (stronger) |
| Loan quality | 50 | 86 (stronger) |
| Earnings | 49 (stronger) | 0 |
| Funding & liquidity | 78 (stronger) | 50 |
| Problem-loan coverage | 79 | 96 (stronger) |
| Peer percentile | 11th | 9th |
| Total assets | $719.0M | $827.0M |
| Deposits / shares | $632.0M | $714.9M |
| Capital ratio | 9.22% | 9.94% (stronger) |
| Problem loans | 1.50% | 0.43% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.26% |
| Return on assets | 0.74% (stronger) | -0.65% |
| Loans ÷ deposits | 80.9% | 55.1% (stronger) |
| Uninsured deposits | 16.4% (stronger) | 92.1% |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | 0.0% |
First National Bank of Scotia has the higher TellerScore (55 vs 53). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Scotia leads on 4 and Community Federal Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.