Side-by-side · Q2 2026 data
The Trust Bank vs First Federal Savings and Loan Association of Valdosta
Bank
First Federal Savings and Loan Association of Valdosta
Valdosta, Georgia · $100 million – $1 billion
Metric by metric
| Measure | The Trust Bank | First Federal Savings and Loan Association of Valdosta |
|---|---|---|
| TellerScore | 86 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 55 (stronger) | 40 |
| Earnings | 97 (stronger) | 53 |
| Funding & liquidity | 90 (stronger) | 47 |
| Problem-loan coverage | 91 (stronger) | 75 |
| Peer percentile | 81st | 14th |
| Total assets | $47.0M | $278.5M |
| Deposits / shares | $39.3M | $208.5M |
| Capital ratio | 16.15% (stronger) | 12.26% |
| Problem loans | 1.36% (stronger) | 1.79% |
| Net charge-offs | -0.04% (stronger) | 0.02% |
| Return on assets | 1.94% (stronger) | 0.83% |
| Loans ÷ deposits | 65.8% (stronger) | 116.7% |
| Uninsured deposits | 18.4% | 17.9% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
The Trust Bank has the higher TellerScore (86 vs 57). On the 7 directional measures above (where higher or lower is clearly better), The Trust Bank leads on 6 and First Federal Savings and Loan Association of Valdosta on 1. 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.