Side-by-side · Q2 2026 data
Bank of Hydro vs First Bank and Trust Company
Metric by metric
| Measure | Bank of Hydro | First Bank and Trust Company |
|---|---|---|
| TellerScore | 76 | 96 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 79 | 99 (stronger) |
| Earnings | 100 (stronger) | 93 |
| Funding & liquidity | 52 | 81 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 64th | 97th |
| Total assets | $180.8M | $58.2M |
| Deposits / shares | $156.9M | $47.1M |
| Capital ratio | 11.56% | 16.68% (stronger) |
| Problem loans | 0.64% | 0.02% (stronger) |
| Net charge-offs | -0.05% (stronger) | 0.00% |
| Return on assets | 2.70% (stronger) | 1.83% |
| Loans ÷ deposits | 102.0% | 44.5% (stronger) |
| Uninsured deposits | 20.8% (stronger) | 32.5% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank and Trust Company has the higher TellerScore (96 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Bank of Hydro leads on 3 and First Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.