Side-by-side · Q2 2026 data
Capital Bank and Trust Company vs First Pacific Bank
Metric by metric
| Measure | Capital Bank and Trust Company | First Pacific Bank |
|---|---|---|
| TellerScore | 94 (stronger) | 56 |
| Capital cushion | 100 (stronger) | 42 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 100 (stronger) | 30 |
| Funding & liquidity | 61 (stronger) | 37 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 98th | 13th |
| Total assets | $266.1M | $514.4M |
| Deposits / shares | $500K | $420.1M |
| Capital ratio | 79.26% (stronger) | 9.25% |
| Problem loans | 0.00% (stronger) | 0.31% |
| Net charge-offs | 0.00% (stronger) | 0.24% |
| Return on assets | 81.14% (stronger) | 0.24% |
| Loans ÷ deposits | 0.0% (stronger) | 83.2% |
| Uninsured deposits | 50.0% (stronger) | 50.8% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Capital Bank and Trust Company has the higher TellerScore (94 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Capital Bank and Trust Company leads on 7 and First Pacific Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.