Side-by-side · Q2 2026 data
First Trust and Savings Bank vs PCSB Bank
Metric by metric
| Measure | First Trust and Savings Bank | PCSB Bank |
|---|---|---|
| TellerScore | 45 | 77 (stronger) |
| Capital cushion | 57 | 61 (stronger) |
| Loan quality | 0 | 92 (stronger) |
| Earnings | 81 (stronger) | 56 |
| Funding & liquidity | 46 | 96 (stronger) |
| Problem-loan coverage | 50 | 97 (stronger) |
| Peer percentile | 4th | 68th |
| Total assets | $320.6M | $326.1M |
| Deposits / shares | $271.6M | $294.0M |
| Capital ratio | 10.70% | 11.09% (stronger) |
| Problem loans | 3.21% | 0.25% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.02% |
| Return on assets | 1.53% (stronger) | 0.91% |
| Loans ÷ deposits | 100.8% | 60.3% (stronger) |
| Uninsured deposits | 27.2% | 18.7% (stronger) |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
PCSB Bank has the higher TellerScore (77 vs 45). On the 7 directional measures above (where higher or lower is clearly better), First Trust and Savings Bank leads on 2 and PCSB Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.