Side-by-side · Q2 2026 data
First Savings and Loan Association vs Hertford Savings Bank, SSB
Metric by metric
| Measure | First Savings and Loan Association | Hertford Savings Bank, SSB |
|---|---|---|
| TellerScore | 81 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 92 | 93 (stronger) |
| Earnings | 33 (stronger) | 15 |
| Funding & liquidity | 76 | 82 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 68th | 26th |
| Total assets | $55.9M | $20.7M |
| Deposits / shares | $41.6M | $18.5M |
| Capital ratio | 23.92% (stronger) | 10.64% |
| Problem loans | 0.23% | 0.22% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.32% (stronger) | -0.12% |
| Loans ÷ deposits | 83.8% | 78.5% (stronger) |
| Uninsured deposits | 9.5% | 4.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Savings and Loan Association has the higher TellerScore (81 vs 65). On the 6 directional measures above (where higher or lower is clearly better), First Savings and Loan Association leads on 3 and Hertford Savings Bank, SSB on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.