Side-by-side · Q2 2026 data
North Central Bank vs First Federal Savings Bank
Metric by metric
| Measure | North Central Bank | First Federal Savings Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 57 |
| Capital cushion | 73 (stronger) | 57 |
| Loan quality | 91 (stronger) | 56 |
| Earnings | 73 (stronger) | 36 |
| Funding & liquidity | 86 (stronger) | 69 |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 82nd | 14th |
| Total assets | $165.9M | $421.9M |
| Deposits / shares | $144.7M | $325.2M |
| Capital ratio | 12.26% (stronger) | 10.69% |
| Problem loans | 0.26% (stronger) | 1.32% |
| Net charge-offs | -0.00% | -0.06% (stronger) |
| Return on assets | 1.33% (stronger) | 0.40% |
| Loans ÷ deposits | 58.5% (stronger) | 91.6% |
| Uninsured deposits | 27.6% | 11.6% (stronger) |
| Offices | 2 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.8% |
North Central Bank has the higher TellerScore (82 vs 57). On the 7 directional measures above (where higher or lower is clearly better), North Central Bank leads on 5 and First Federal Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.