Side-by-side · Q2 2026 data
The Hamler State Bank vs First Federal Savings and Loan Association
Metric by metric
| Measure | The Hamler State Bank | First Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 76 | 93 (stronger) |
| Capital cushion | 93 | 100 (stronger) |
| Loan quality | 54 | 100 (stronger) |
| Earnings | 71 (stronger) | 63 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 64th | 98th |
| Total assets | $125.3M | $246.0M |
| Deposits / shares | $107.4M | $205.9M |
| Capital ratio | 14.34% | 16.48% (stronger) |
| Problem loans | 1.38% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.27% (stronger) | 1.07% |
| Loans ÷ deposits | 80.1% | 55.8% (stronger) |
| Uninsured deposits | 10.3% | 3.7% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.7% |
First Federal Savings and Loan Association has the higher TellerScore (93 vs 76). On the 6 directional measures above (where higher or lower is clearly better), The Hamler State Bank leads on 1 and First Federal Savings and Loan Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.