Bank Comparison
Crest Savings Bank vs First Federal Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Crest Savings Bank | First Federal Savings Bank |
|---|---|---|
| CET1 Ratio | 14.26% | — |
| Tier 1 Capital Ratio | 14.26% | — |
| Total Capital Ratio | 15.11% | — |
| Tier 1 Leverage Ratio | 8.60% | 9.38% |
| Equity / Assets | 8.69% | 9.06% |
Profitability
| Metric | Crest Savings Bank | First Federal Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.38% | 0.29% |
| Return on Equity (ROE) | 4.45% | 3.22% |
| Net Interest Margin (NIM) | 2.91% | 3.12% |
| Yield on Earning Assets | 4.49% | 5.41% |
| Cost of Funds | 1.67% | 2.35% |
Asset quality
| Metric | Crest Savings Bank | First Federal Savings Bank |
|---|---|---|
| Texas Ratio | 0.54% | 11.59% |
| Non-Performing Loan Ratio | 0.06% | 1.32% |
| Non-Performing Asset Ratio | 0.05% | 0.98% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.65% | 1.14% |
Balance sheet
| Metric | Crest Savings Bank | First Federal Savings Bank |
|---|---|---|
| Total Assets | $579,600K | $578,952K |
| Total Deposits | $504,602K | $458,027K |
| Total Loans | $449,310K | $431,627K |
| Total Equity | $50,358K | $52,481K |
| Net Income (quarter) | $557 | $427 |
Liquidity & funding
| Metric | Crest Savings Bank | First Federal Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 89.04% | 94.24% |
| Core Deposit Ratio | 94.13% | 93.04% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Crest Savings Bank | First Federal Savings Bank |
|---|---|---|
| Headquarters City | WILDWOOD | EVANSVILLE |
| Headquarters State | NJ | IN |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 10 |
| Employees (FTE) | 84 | 129 |
| Established | Jan. 1, 1919, midnight | July 1, 1934, 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.
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