Side-by-side · Q2 2026 data
North Alabama Bank vs First Federal Bank, A FSB
Metric by metric
| Measure | North Alabama Bank | First Federal Bank, A FSB |
|---|---|---|
| TellerScore | 80 (stronger) | 55 |
| Capital cushion | 67 (stronger) | 28 |
| Loan quality | 95 (stronger) | 80 |
| Earnings | 81 (stronger) | 50 |
| Funding & liquidity | 70 (stronger) | 50 |
| Problem-loan coverage | 98 (stronger) | 88 |
| Peer percentile | 77th | 11th |
| Total assets | $178.6M | $182.6M |
| Deposits / shares | $156.0M | $120.4M |
| Capital ratio | 11.73% (stronger) | 7.82% |
| Problem loans | 0.15% (stronger) | 0.60% |
| Net charge-offs | 0.05% | 0.01% (stronger) |
| Return on assets | 1.53% (stronger) | 0.74% |
| Loans ÷ deposits | 88.4% (stronger) | 125.1% |
| Uninsured deposits | 16.1% | 9.1% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.6% | 4.5% |
North Alabama Bank has the higher TellerScore (80 vs 55). On the 7 directional measures above (where higher or lower is clearly better), North Alabama Bank leads on 5 and First Federal Bank, A FSB on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.