Side-by-side · Q2 2026 data
United Southern Bank vs First Federal Bank
Metric by metric
| Measure | United Southern Bank | First Federal Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 71 |
| Capital cushion | 77 (stronger) | 55 |
| Loan quality | 88 (stronger) | 83 |
| Earnings | 78 | 84 (stronger) |
| Funding & liquidity | 70 (stronger) | 53 |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 80th | 63rd |
| Total assets | $353.7M | $1.1B |
| Deposits / shares | $308.3M | $978.6M |
| Capital ratio | 12.66% (stronger) | 10.48% |
| Problem loans | 0.37% (stronger) | 0.52% |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 1.46% | 1.61% (stronger) |
| Loans ÷ deposits | 90.1% | 68.8% (stronger) |
| Uninsured deposits | 12.4% (stronger) | 49.5% |
| Offices | 7 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.0% |
United Southern Bank has the higher TellerScore (81 vs 71). On the 7 directional measures above (where higher or lower is clearly better), United Southern Bank leads on 5 and First Federal Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.