Side-by-side · Q2 2026 data
The North Salem State Bank vs First Federal Savings Bank
Metric by metric
| Measure | The North Salem State Bank | First Federal Savings Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 56 |
| Capital cushion | 40 | 43 (stronger) |
| Loan quality | 78 (stronger) | 69 |
| Earnings | 86 (stronger) | 59 |
| Funding & liquidity | 40 (stronger) | 36 |
| Problem-loan coverage | 89 (stronger) | 84 |
| Peer percentile | 26th | 13th |
| Total assets | $769.6M | $686.6M |
| Deposits / shares | $687.9M | $540.4M |
| Capital ratio | 8.98% | 9.31% (stronger) |
| Problem loans | 0.67% (stronger) | 0.94% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.65% (stronger) | 0.97% |
| Loans ÷ deposits | 89.7% (stronger) | 108.8% |
| Uninsured deposits | 43.0% | 28.4% (stronger) |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | 1.8% |
The North Salem State Bank has the higher TellerScore (64 vs 56). On the 6 directional measures above (where higher or lower is clearly better), The North Salem State Bank leads on 4 and First Federal Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.