Side-by-side · Q2 2026 data
1st Community Bank vs North County Savings Bank
Metric by metric
| Measure | 1st Community Bank | North County Savings Bank |
|---|---|---|
| TellerScore | 68 | 68 |
| Capital cushion | 50 (stronger) | 35 |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 53 (stronger) | 37 |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 33rd | 33rd |
| Total assets | $65.3M | $63.2M |
| Deposits / shares | $58.2M | $57.9M |
| Capital ratio | 10.04% (stronger) | 8.45% |
| Problem loans | 0.49% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 0.83% (stronger) | 0.42% |
| Loans ÷ deposits | 79.3% | 48.9% (stronger) |
| Uninsured deposits | 18.5% | 4.4% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), 1st Community Bank leads on 3 and North County Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.