Side-by-side · Q2 2026 data
Geddes Federal Savings and Loan Association vs Empire State Bank
Metric by metric
| Measure | Geddes Federal Savings and Loan Association | Empire State Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 59 |
| Capital cushion | 97 (stronger) | 51 |
| Loan quality | 85 (stronger) | 70 |
| Earnings | 33 | 52 (stronger) |
| Funding & liquidity | 50 | 50 |
| Problem-loan coverage | 95 (stronger) | 86 |
| Peer percentile | 57th | 17th |
| Total assets | $685.7M | $617.8M |
| Deposits / shares | $512.0M | $511.6M |
| Capital ratio | 14.70% (stronger) | 10.13% |
| Problem loans | 0.44% (stronger) | 0.91% |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 0.32% | 0.80% (stronger) |
| Loans ÷ deposits | 113.2% | 102.9% (stronger) |
| Uninsured deposits | 12.6% (stronger) | 21.4% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | — |
Geddes Federal Savings and Loan Association has the higher TellerScore (74 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Geddes Federal Savings and Loan Association leads on 4 and Empire State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.