Side-by-side · Q2 2026 data
Spencer Savings Bank, SLA vs First Bank
Metric by metric
| Measure | Spencer Savings Bank, SLA | First Bank |
|---|---|---|
| TellerScore | 61 (stronger) | 59 |
| Capital cushion | 62 (stronger) | 52 |
| Loan quality | 81 (stronger) | 71 |
| Earnings | 45 | 57 (stronger) |
| Funding & liquidity | 23 | 33 (stronger) |
| Problem-loan coverage | 93 (stronger) | 88 |
| Peer percentile | 24th | 19th |
| Total assets | $4.0B | $4.1B |
| Deposits / shares | $3.0B | $3.3B |
| Capital ratio | 11.23% (stronger) | 10.17% |
| Problem loans | 0.58% (stronger) | 0.86% |
| Net charge-offs | 0.02% (stronger) | 0.40% |
| Return on assets | 0.63% | 0.92% (stronger) |
| Loans ÷ deposits | 107.4% | 100.1% (stronger) |
| Uninsured deposits | 41.6% | 39.3% (stronger) |
| Offices | 28 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.0% | 9.5% |
Spencer Savings Bank, SLA has the higher TellerScore (61 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Spencer Savings Bank, SLA leads on 4 and First Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.