Side-by-side · Q2 2026 data
First National Bank of Scotia vs Geddes Federal Savings and Loan Association
Metric by metric
| Measure | First National Bank of Scotia | Geddes Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 55 | 74 (stronger) |
| Capital cushion | 42 | 97 (stronger) |
| Loan quality | 50 | 85 (stronger) |
| Earnings | 49 (stronger) | 33 |
| Funding & liquidity | 78 (stronger) | 50 |
| Problem-loan coverage | 79 | 95 (stronger) |
| Peer percentile | 11th | 57th |
| Total assets | $719.0M | $685.7M |
| Deposits / shares | $632.0M | $512.0M |
| Capital ratio | 9.22% | 14.70% (stronger) |
| Problem loans | 1.50% | 0.44% (stronger) |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | 0.74% (stronger) | 0.32% |
| Loans ÷ deposits | 80.9% (stronger) | 113.2% |
| Uninsured deposits | 16.4% | 12.6% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | 7.1% |
Geddes Federal Savings and Loan Association has the higher TellerScore (74 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Scotia leads on 2 and Geddes Federal Savings and Loan Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.