Side-by-side · Q2 2026 data
Bank of Wolcott vs Peoples Community Bank SB of Monticello, Indiana
Bank
Peoples Community Bank SB of Monticello, Indiana
Monticello, Indiana · Under $100 million in assets
Metric by metric
| Measure | Bank of Wolcott | Peoples Community Bank SB of Monticello, Indiana |
|---|---|---|
| TellerScore | 81 (stronger) | 57 |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 86 (stronger) | 5 |
| Earnings | 88 (stronger) | 51 |
| Funding & liquidity | 73 (stronger) | 50 |
| Problem-loan coverage | 95 (stronger) | 84 |
| Peer percentile | 80th | 16th |
| Total assets | $280.3M | $42.7M |
| Deposits / shares | $234.2M | $19.5M |
| Capital ratio | 12.01% | 32.00% (stronger) |
| Problem loans | 0.43% (stronger) | 2.84% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.69% (stronger) | 0.77% |
| Loans ÷ deposits | 60.2% (stronger) | 204.0% |
| Uninsured deposits | 39.2% | 0.3% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Bank of Wolcott has the higher TellerScore (81 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Bank of Wolcott leads on 5 and Peoples Community Bank SB of Monticello, Indiana on 2. 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.