This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Hillsboro, IL
Health score
81.3
Total assets
$683.1M
Bank
Honolulu, HI
Health score
64.9
Total assets
$683.7M
Answer first
Constitution Bank, National Association leads on financial health and profitability and lending quality and growth; Finance Factors, Ltd. leads on capitalization. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Constitution Bank, National Association
Higher TFS health score
Capitalization
Finance Factors, Ltd.
Higher comparable capital ratio
Profitability
Constitution Bank, National Association
Higher return on assets
Lending quality
Constitution Bank, National Association
Lower problem-loan measure
Growth
Constitution Bank, National Association
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Constitution Bank, National Association | Finance Factors, Ltd. |
|---|---|---|
| TFS health score | 81.3/100Leads | 64.9/100 |
| Total assets | $683.1M | $683.7M |
| Total deposits / shares | $618.6M | $519.3M |
| Tier 1 capital ratio | 10.17% | 12.02%Leads |
| Return on assets | 1.13%Leads | 0.62% |
| Return on equity | 12.69%Leads |
Constitution Bank, National Association
14 branches
Finance Factors, Ltd.
14 branches
No shared branch states were found in the current TFS branch dataset.
Constitution Bank, National Association
Unavailable
Finance Factors, Ltd.
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Constitution Bank, National Association
0 in TFS registry
Finance Factors, Ltd.
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Constitution Bank, National Association score | Constitution Bank, National Association ROA | Finance Factors, Ltd. score | Finance Factors, Ltd. ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.51% | — | 0.47% |
| 2024-Q4 | — | 0.54% | — | 0.25% |
| 2025-Q1 | — | 0.92% | — | -0.28% |
| 2025-Q2 | — | 0.98% | — | 0.35% |
| 2025-Q3 | — | 1.03% | — | 0.51% |
| 2025-Q4 | — | 1.07% | — | 0.50% |
| 2026-Q1 | 82.1/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 5.37% |
| Non-performing loans | 0.62%Leads | 2.23% |
| Net charge-offs | 0.00% | -0.01%Leads |
| Efficiency ratio | 53.57%Leads | 76.34% |
| Loan-to-deposit ratio | 78.43% | 85.96% |
| Asset growth (YoY) | 4.65%Leads | -3.55% |
| Deposit / share growth (YoY) | 3.40%Leads | -6.70% |
| Branches | 14 | 14 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.21% |
| 63.3/100 |
| -0.47% |
| 2026-Q2 | 81.3/100 | 1.13% | 64.9/100 | 0.62% |