Side-by-side · Q2 2026 data
Security First Bank vs Five Points Bank
Metric by metric
| Measure | Security First Bank | Five Points Bank |
|---|---|---|
| TellerScore | 65 | 76 (stronger) |
| Capital cushion | 33 | 53 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 52 | 78 (stronger) |
| Funding & liquidity | 77 (stronger) | 63 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 36th | 80th |
| Total assets | $2.3B | $2.2B |
| Deposits / shares | $2.0B | $2.0B |
| Capital ratio | 8.30% | 10.30% (stronger) |
| Problem loans | 0.17% | 0.01% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.81% | 1.45% (stronger) |
| Loans ÷ deposits | 77.1% | 67.9% (stronger) |
| Uninsured deposits | 20.9% (stronger) | 41.5% |
| Offices | 35 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.1% | 2.5% |
Five Points Bank has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Security First Bank leads on 2 and Five Points Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.