Side-by-side · Q2 2026 data
1st Community Bank vs First Central State Bank
Metric by metric
| Measure | 1st Community Bank | First Central State Bank |
|---|---|---|
| TellerScore | 68 | 83 (stronger) |
| Capital cushion | 50 | 84 (stronger) |
| Loan quality | 84 | 93 (stronger) |
| Earnings | 53 | 77 (stronger) |
| Funding & liquidity | 77 (stronger) | 65 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 33rd | 84th |
| Total assets | $65.3M | $772.4M |
| Deposits / shares | $58.2M | $595.4M |
| Capital ratio | 10.04% | 13.39% (stronger) |
| Problem loans | 0.49% | 0.21% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 0.83% | 1.43% (stronger) |
| Loans ÷ deposits | 79.3% (stronger) | 82.4% |
| Uninsured deposits | 18.5% (stronger) | 26.7% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
First Central State Bank has the higher TellerScore (83 vs 68). On the 7 directional measures above (where higher or lower is clearly better), 1st Community Bank leads on 3 and First Central State Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.