Side-by-side · Q2 2026 data
The Napoleon State Bank vs First Federal Savings Bank
Metric by metric
| Measure | The Napoleon State Bank | First Federal Savings Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 54 |
| Capital cushion | 61 (stronger) | 55 |
| Loan quality | 63 (stronger) | 37 |
| Earnings | 79 (stronger) | 71 |
| Funding & liquidity | 77 (stronger) | 43 |
| Problem-loan coverage | 86 (stronger) | 74 |
| Peer percentile | 43rd | 10th |
| Total assets | $499.2M | $553.6M |
| Deposits / shares | $440.4M | $459.9M |
| Capital ratio | 11.07% (stronger) | 10.46% |
| Problem loans | 1.10% (stronger) | 1.88% |
| Net charge-offs | 0.04% | 0.03% (stronger) |
| Return on assets | 1.47% (stronger) | 1.27% |
| Loans ÷ deposits | 81.8% (stronger) | 89.8% |
| Uninsured deposits | 16.0% (stronger) | 39.7% |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.0% |
The Napoleon State Bank has the higher TellerScore (70 vs 54). On the 7 directional measures above (where higher or lower is clearly better), The Napoleon State Bank leads on 6 and First Federal Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.