Side-by-side · Q2 2026 data
Unified Bank vs First Federal Community Bank, National Association
Metric by metric
| Measure | Unified Bank | First Federal Community Bank, National Association |
|---|---|---|
| TellerScore | 62 | 75 (stronger) |
| Capital cushion | 40 | 44 (stronger) |
| Loan quality | 57 | 97 (stronger) |
| Earnings | 75 | 94 (stronger) |
| Funding & liquidity | 89 (stronger) | 58 |
| Problem-loan coverage | 78 | 99 (stronger) |
| Peer percentile | 22nd | 61st |
| Total assets | $871.7M | $994.6M |
| Deposits / shares | $702.1M | $897.2M |
| Capital ratio | 8.99% | 9.40% (stronger) |
| Problem loans | 1.29% | 0.08% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.38% | 1.86% (stronger) |
| Loans ÷ deposits | 70.1% (stronger) | 84.0% |
| Uninsured deposits | 16.0% (stronger) | 31.4% |
| Offices | 19 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | — |
First Federal Community Bank, National Association has the higher TellerScore (75 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Unified Bank leads on 2 and First Federal Community Bank, National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.