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
New York, NY
Health score
65.8
Total assets
$3.5M
Bank
Kentland, IN
Health score
39.7
Total assets
$3.7M
Answer first
Emigrant Mercantile Bank leads on financial health and capitalization and profitability and lending quality; Kentland Federal Savings and Loan Association leads on growth. 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
Emigrant Mercantile Bank
Higher TFS health score
Capitalization
Emigrant Mercantile Bank
Higher comparable capital ratio
Profitability
Emigrant Mercantile Bank
Higher return on assets
Lending quality
Emigrant Mercantile Bank
Lower problem-loan measure
Growth
Kentland Federal Savings and Loan 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 | Emigrant Mercantile Bank | Kentland Federal Savings and Loan Association |
|---|---|---|
| TFS health score | 65.8/100Leads | 39.7/100 |
| Total assets | $3.5M | $3.7M |
| Total deposits / shares | $500.0K | $3.7M |
| Tier 1 capital ratio | 85.67%Leads | 1.66% |
| Return on assets | 0.29%Leads | -4.77% |
| Return on equity | 0.34% |
Emigrant Mercantile Bank
1 branches
Kentland Federal Savings and Loan Association
1 branches
No shared branch states were found in the current TFS branch dataset.
Emigrant Mercantile Bank
Unavailable
Kentland Federal Savings and Loan Association
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.
Emigrant Mercantile Bank
0 in TFS registry
Kentland Federal Savings and Loan Association
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 | Emigrant Mercantile Bank score | Emigrant Mercantile Bank ROA | Kentland Federal Savings and Loan Association score | Kentland Federal Savings and Loan Association ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.85% | — | 0.04% |
| 2024-Q4 | — | 1.01% | — | -1.38% |
| 2025-Q1 | — | 2.07% | — | -6.85% |
| 2025-Q2 | — | 1.20% | — | -8.03% |
| 2025-Q3 | — | 0.95% | — | -7.56% |
| 2025-Q4 | — | 0.74% | — | -6.63% |
| 2026-Q1 | 63.8/100 |
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Coverage boundaries
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.
| -201.12% |
| Non-performing loans | 0.00%Leads | 6.30% |
| Net charge-offs | 0.00% | 0.00% |
| Efficiency ratio | 89.29%Leads | 305.00% |
| Loan-to-deposit ratio | 0.00% | 94.56% |
| Asset growth (YoY) | -0.26% | 13.39%Leads |
| Deposit / share growth (YoY) | 0.00% | 20.18%Leads |
| Branches | 1 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| -0.23% |
| 39.7/100 |
| -4.77% |
| 2026-Q2 | 65.8/100 | 0.29% | — | — |