Side-by-side · Q2 2026 data
Somerville Bank vs First Federal Savings and Loan Association
Metric by metric
| Measure | Somerville Bank | First Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 60 | 70 (stronger) |
| Capital cushion | 45 | 92 (stronger) |
| Loan quality | 63 (stronger) | 57 |
| Earnings | 50 (stronger) | 40 |
| Funding & liquidity | 84 (stronger) | 75 |
| Problem-loan coverage | 83 | 87 (stronger) |
| Peer percentile | 19th | 43rd |
| Total assets | $290.6M | $293.5M |
| Deposits / shares | $260.7M | $250.7M |
| Capital ratio | 9.54% | 14.18% (stronger) |
| Problem loans | 1.10% (stronger) | 1.28% |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 0.74% (stronger) | 0.50% |
| Loans ÷ deposits | 75.9% (stronger) | 83.7% |
| Uninsured deposits | 11.0% (stronger) | 16.3% |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.0% | — |
First Federal Savings and Loan Association has the higher TellerScore (70 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Somerville Bank leads on 5 and First Federal Savings and Loan Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.