Bank Comparison
Carrollton Federal Bank vs First Federal Savings and Loan Association
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 7
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Carrollton Federal Bank | First Federal Savings and Loan Association |
|---|---|---|
| CET1 Ratio | — | 38.68% |
| Tier 1 Capital Ratio | — | 38.68% |
| Total Capital Ratio | — | 39.93% |
| Tier 1 Leverage Ratio | 15.98% | 25.97% |
| Equity / Assets | 14.29% | 25.76% |
Profitability
| Metric | Carrollton Federal Bank | First Federal Savings and Loan Association |
|---|---|---|
| Return on Assets (ROA) | 0.67% | 0.62% |
| Return on Equity (ROE) | 4.52% | 2.39% |
| Net Interest Margin (NIM) | 3.96% | 4.02% |
| Yield on Earning Assets | 5.29% | 6.08% |
| Cost of Funds | 1.39% | 2.79% |
Asset quality
| Metric | Carrollton Federal Bank | First Federal Savings and Loan Association |
|---|---|---|
| Texas Ratio | 0.00% | 11.56% |
| Non-Performing Loan Ratio | 0.00% | 2.98% |
| Non-Performing Asset Ratio | 0.00% | 2.70% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.71% | 1.23% |
Balance sheet
| Metric | Carrollton Federal Bank | First Federal Savings and Loan Association |
|---|---|---|
| Total Assets | $42,592K | $40,842K |
| Total Deposits | $36,239K | $29,927K |
| Total Loans | $26,722K | $36,958K |
| Total Equity | $6,085K | $10,522K |
| Net Income (quarter) | $69 | $63 |
Liquidity & funding
| Metric | Carrollton Federal Bank | First Federal Savings and Loan Association |
|---|---|---|
| Loan-to-Deposit Ratio | 73.74% | 123.49% |
| Core Deposit Ratio | 93.10% | 88.41% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Carrollton Federal Bank | First Federal Savings and Loan Association |
|---|---|---|
| Headquarters City | CARROLLTON | MOREHEAD |
| Headquarters State | KY | KY |
| Asset Tier | Micro | Micro |
| Charter Class | 704069 | 706902 |
| Regulator | OCC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 10 | 6 |
| Established | Jan. 1, 1890, midnight | Aug. 12, 1963, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Carrollton Federal Bank profile | View full First Federal Savings and Loan Association profile | Browse all bank comparisons