Side-by-side · Q2 2026 data
Georgia First Bank vs First Federal Savings and Loan Association of Valdosta
Bank
First Federal Savings and Loan Association of Valdosta
Valdosta, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Georgia First Bank | First Federal Savings and Loan Association of Valdosta |
|---|---|---|
| TellerScore | 75 (stronger) | 57 |
| Capital cushion | 45 | 73 (stronger) |
| Loan quality | 98 (stronger) | 40 |
| Earnings | 94 (stronger) | 53 |
| Funding & liquidity | 53 (stronger) | 47 |
| Problem-loan coverage | 99 (stronger) | 75 |
| Peer percentile | 61st | 14th |
| Total assets | $290.8M | $278.5M |
| Deposits / shares | $259.5M | $208.5M |
| Capital ratio | 9.52% | 12.26% (stronger) |
| Problem loans | 0.07% (stronger) | 1.79% |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 1.86% (stronger) | 0.83% |
| Loans ÷ deposits | 93.1% (stronger) | 116.7% |
| Uninsured deposits | 27.6% | 17.9% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Georgia First Bank has the higher TellerScore (75 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Georgia First Bank leads on 5 and First Federal Savings and Loan Association of Valdosta on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.