Side-by-side · Q2 2026 data
BAC Community Bank vs First Commercial Bank (USA)
Metric by metric
| Measure | BAC Community Bank | First Commercial Bank (USA) |
|---|---|---|
| TellerScore | 75 (stronger) | 71 |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 94 (stronger) | 65 |
| Earnings | 51 | 64 (stronger) |
| Funding & liquidity | 79 (stronger) | 20 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 61st | 47th |
| Total assets | $761.9M | $849.9M |
| Deposits / shares | $673.0M | $646.8M |
| Capital ratio | 11.44% | 23.27% (stronger) |
| Problem loans | 0.18% (stronger) | 1.05% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.77% | 1.10% (stronger) |
| Loans ÷ deposits | 67.1% (stronger) | 111.5% |
| Uninsured deposits | 28.0% (stronger) | 42.6% |
| Offices | 8 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.0% |
BAC Community Bank has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), BAC Community Bank leads on 4 and First Commercial Bank (USA) on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.