Side-by-side · Q2 2026 data
NBT Financial Bank vs First Federal Community Bank, SSB
Metric by metric
| Measure | NBT Financial Bank | First Federal Community Bank, SSB |
|---|---|---|
| TellerScore | 50 | 74 (stronger) |
| Capital cushion | 59 | 81 (stronger) |
| Loan quality | 24 | 75 (stronger) |
| Earnings | 72 (stronger) | 61 |
| Funding & liquidity | 35 | 63 (stronger) |
| Problem-loan coverage | 70 | 92 (stronger) |
| Peer percentile | 7th | 57th |
| Total assets | $618.7M | $603.6M |
| Deposits / shares | $540.1M | $520.4M |
| Capital ratio | 10.85% | 13.10% (stronger) |
| Problem loans | 2.29% | 0.75% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.29% (stronger) | 1.03% |
| Loans ÷ deposits | 83.8% (stronger) | 89.8% |
| Uninsured deposits | 51.8% | 21.2% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.2% | — |
First Federal Community Bank, SSB has the higher TellerScore (74 vs 50). On the 7 directional measures above (where higher or lower is clearly better), NBT Financial Bank leads on 2 and First Federal Community Bank, SSB on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.