Side-by-side · Q2 2026 data
First Security Bank vs River Town Federal Credit Union
Credit union
River Town Federal Credit Union
Fort Smith, Arkansas · Under $100 million in assets
Metric by metric
| Measure | First Security Bank | River Town Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 99 |
| Loan quality | 95 (stronger) | 92 |
| Earnings | 94 (stronger) | 0 |
| Funding & liquidity | 62 | 92 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 99th | 54th |
| Total assets | $8.6B | $15.2M |
| Deposits / shares | $6.8B | $12.9M |
| Capital ratio | 15.60% (stronger) | 14.87% |
| Problem loans | 0.14% (stronger) | 0.24% |
| Net charge-offs | 0.47% | 0.04% (stronger) |
| Return on assets | 1.85% (stronger) | -1.33% |
| Loans ÷ deposits | 66.1% (stronger) | 67.8% |
| Uninsured deposits | 44.3% | 0.0% (stronger) |
| Offices | 77 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.6% | — |
First Security Bank has the higher TellerScore (92 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First Security Bank leads on 5 and River Town Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.