Side-by-side · Q2 2026 data
The Bank and Trust, S.S.B. vs First Federal Community Bank, SSB
Metric by metric
| Measure | The Bank and Trust, S.S.B. | First Federal Community Bank, SSB |
|---|---|---|
| TellerScore | 77 (stronger) | 74 |
| Capital cushion | 50 | 81 (stronger) |
| Loan quality | 98 (stronger) | 75 |
| Earnings | 82 (stronger) | 61 |
| Funding & liquidity | 75 (stronger) | 63 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 68th | 57th |
| Total assets | $583.8M | $603.6M |
| Deposits / shares | $529.3M | $520.4M |
| Capital ratio | 9.96% | 13.10% (stronger) |
| Problem loans | 0.05% (stronger) | 0.75% |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.56% (stronger) | 1.03% |
| Loans ÷ deposits | 74.3% (stronger) | 89.8% |
| Uninsured deposits | 24.9% | 21.2% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
The Bank and Trust, S.S.B. has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Bank and Trust, S.S.B. leads on 4 and First Federal Community Bank, SSB on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.