Side-by-side · Q2 2026 data
Pbt Bancorp 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 | Pbt Bancorp | First Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 28 | 69 (stronger) |
| Capital cushion | 32 | 100 (stronger) |
| Loan quality | 11 | 44 (stronger) |
| Earnings | 19 | 58 (stronger) |
| Funding & liquidity | 66 (stronger) | 50 |
| Problem-loan coverage | 20 | 87 (stronger) |
| Peer percentile | 1st | 37th |
| Total assets | $473.2M | $81.3M |
| Deposits / shares | $426.7M | $56.6M |
| Capital ratio | 8.15% | 21.58% (stronger) |
| Problem loans | 2.66% | 1.69% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | -0.01% | 0.95% (stronger) |
| Loans ÷ deposits | 86.1% (stronger) | 129.1% |
| Uninsured deposits | 22.3% | 4.1% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Federal Savings and Loan Association has the higher TellerScore (69 vs 28). On the 7 directional measures above (where higher or lower is clearly better), Pbt Bancorp leads on 1 and First Federal Savings and Loan Association on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.