Side-by-side · Q2 2026 data
Cattle Bank and Trust vs First Bank of Utica
Metric by metric
| Measure | Cattle Bank and Trust | First Bank of Utica |
|---|---|---|
| TellerScore | 87 (stronger) | 76 |
| Capital cushion | 79 | 93 (stronger) |
| Loan quality | 97 (stronger) | 79 |
| Earnings | 100 (stronger) | 45 |
| Funding & liquidity | 64 | 67 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 91st | 56th |
| Total assets | $421.9M | $77.4M |
| Deposits / shares | $347.2M | $62.4M |
| Capital ratio | 12.87% | 14.27% (stronger) |
| Problem loans | 0.08% (stronger) | 0.63% |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 2.14% (stronger) | 0.63% |
| Loans ÷ deposits | 91.6% (stronger) | 93.4% |
| Uninsured deposits | 19.2% | 12.7% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Cattle Bank and Trust has the higher TellerScore (87 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Cattle Bank and Trust leads on 5 and First Bank of Utica 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.