Side-by-side · Q2 2026 data
Somerville Bank vs First Federal Bank of Ohio
Metric by metric
| Measure | Somerville Bank | First Federal Bank of Ohio |
|---|---|---|
| TellerScore | 60 | 75 (stronger) |
| Capital cushion | 45 | 87 (stronger) |
| Loan quality | 63 | 69 (stronger) |
| Earnings | 50 (stronger) | 34 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 83 | 95 (stronger) |
| Peer percentile | 19th | 61st |
| Total assets | $290.6M | $282.9M |
| Deposits / shares | $260.7M | $231.2M |
| Capital ratio | 9.54% | 13.68% (stronger) |
| Problem loans | 1.10% | 0.93% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.74% (stronger) | 0.35% |
| Loans ÷ deposits | 75.9% | 52.0% (stronger) |
| Uninsured deposits | 11.0% | 7.1% (stronger) |
| Offices | 8 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.0% | — |
First Federal Bank of Ohio has the higher TellerScore (75 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Somerville Bank leads on 1 and First Federal Bank of Ohio on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.