Side-by-side · Q2 2026 data
The Citizens Bank vs First Federal Savings and Loan Association
Bank
First Federal Savings and Loan Association
Morehead, Kentucky · Under $100 million in assets
Metric by metric
| Measure | The Citizens Bank | First Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 76 (stronger) | 54 |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 98 (stronger) | 0 |
| Earnings | 100 (stronger) | 42 |
| Funding & liquidity | 70 (stronger) | 50 |
| Problem-loan coverage | 99 (stronger) | 79 |
| Peer percentile | 64th | 13th |
| Total assets | $228.6M | $41.3M |
| Deposits / shares | $181.9M | $30.3M |
| Capital ratio | 8.72% | 25.61% (stronger) |
| Problem loans | 0.06% (stronger) | 3.07% |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 2.15% (stronger) | 0.54% |
| Loans ÷ deposits | 82.8% (stronger) | 120.1% |
| Uninsured deposits | 21.9% | 4.6% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank has the higher TellerScore (76 vs 54). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 4 and First Federal Savings and Loan Association on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.