Side-by-side · Q2 2026 data
BankFirst Financial Services vs Richton Bank & Trust Company
Metric by metric
| Measure | BankFirst Financial Services | Richton Bank & Trust Company |
|---|---|---|
| TellerScore | 69 | 90 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 74 | 100 (stronger) |
| Earnings | 64 (stronger) | 52 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 53rd | 89th |
| Total assets | $3.3B | $52.0M |
| Deposits / shares | $2.8B | $43.1M |
| Capital ratio | 10.86% | 15.95% (stronger) |
| Problem loans | 0.77% | 0.00% (stronger) |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 1.10% (stronger) | 0.79% |
| Loans ÷ deposits | 79.3% | 47.4% (stronger) |
| Uninsured deposits | 24.3% | 10.5% (stronger) |
| Offices | 44 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | — |
Richton Bank & Trust Company has the higher TellerScore (90 vs 69). On the 7 directional measures above (where higher or lower is clearly better), BankFirst Financial Services leads on 1 and Richton Bank & Trust Company on 6. 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.