Side-by-side · Q2 2026 data
1st Financial Bank USA vs Plains Commerce Bank
Metric by metric
| Measure | 1st Financial Bank USA | Plains Commerce Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 50 |
| Loan quality | 50 | 59 (stronger) |
| Earnings | 59 | 74 (stronger) |
| Funding & liquidity | 72 (stronger) | 45 |
| Problem-loan coverage | 87 (stronger) | 81 |
| Peer percentile | 74th | 19th |
| Total assets | $1.4B | $1.3B |
| Deposits / shares | $1.1B | $1.1B |
| Capital ratio | 16.34% (stronger) | 10.03% |
| Problem loans | 1.51% | 1.22% (stronger) |
| Net charge-offs | 2.29% | 0.02% (stronger) |
| Return on assets | 0.98% | 1.34% (stronger) |
| Loans ÷ deposits | 88.7% (stronger) | 99.6% |
| Uninsured deposits | 2.0% (stronger) | 29.2% |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.0% |
1st Financial Bank USA has the higher TellerScore (74 vs 59). On the 7 directional measures above (where higher or lower is clearly better), 1st Financial Bank USA leads on 4 and Plains Commerce Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.