Side-by-side · Q2 2026 data
Hyden Citizens Bank vs First Federal Savings and Loan Association
Bank
First Federal Savings and Loan Association
Hazard, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Hyden Citizens Bank | First Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 73 (stronger) | 69 |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 82 (stronger) | 44 |
| Earnings | 83 (stronger) | 58 |
| Funding & liquidity | 96 (stronger) | 50 |
| Problem-loan coverage | 92 (stronger) | 87 |
| Peer percentile | 53rd | 37th |
| Total assets | $148.6M | $81.3M |
| Deposits / shares | $134.8M | $56.6M |
| Capital ratio | 9.18% | 21.58% (stronger) |
| Problem loans | 0.54% (stronger) | 1.69% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.57% (stronger) | 0.95% |
| Loans ÷ deposits | 60.2% (stronger) | 129.1% |
| Uninsured deposits | 18.6% | 4.1% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hyden Citizens Bank has the higher TellerScore (73 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Hyden Citizens Bank leads on 4 and First Federal Savings and Loan Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.