Side-by-side · Q2 2026 data
The First National Bank of Pandora vs First Federal Savings and Loan Association
Metric by metric
| Measure | The First National Bank of Pandora | First Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 65 | 70 (stronger) |
| Capital cushion | 31 | 92 (stronger) |
| Loan quality | 91 (stronger) | 57 |
| Earnings | 56 (stronger) | 40 |
| Funding & liquidity | 80 (stronger) | 75 |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 29th | 43rd |
| Total assets | $299.0M | $293.5M |
| Deposits / shares | $275.1M | $250.7M |
| Capital ratio | 8.07% | 14.18% (stronger) |
| Problem loans | 0.27% (stronger) | 1.28% |
| Net charge-offs | 0.10% | 0.01% (stronger) |
| Return on assets | 0.89% (stronger) | 0.50% |
| Loans ÷ deposits | 72.3% (stronger) | 83.7% |
| Uninsured deposits | 21.7% | 16.3% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | — |
First Federal Savings and Loan Association has the higher TellerScore (70 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Pandora leads on 3 and First Federal Savings and Loan Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.