Side-by-side · Q2 2026 data
Citizens 1st Bank vs First Community Bank
Metric by metric
| Measure | Citizens 1st Bank | First Community Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 89 | 91 (stronger) |
| Funding & liquidity | 34 | 78 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 84th | 80th |
| Total assets | $811.0M | $794.4M |
| Deposits / shares | $615.5M | $697.4M |
| Capital ratio | 20.52% (stronger) | 10.36% |
| Problem loans | 0.53% | 0.01% (stronger) |
| Net charge-offs | 0.26% | 0.02% (stronger) |
| Return on assets | 1.71% | 1.78% (stronger) |
| Loans ÷ deposits | 77.8% | 66.1% (stronger) |
| Uninsured deposits | 58.3% | 29.3% (stronger) |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 0.0% |
Citizens 1st Bank has the higher TellerScore (83 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Citizens 1st Bank leads on 2 and First Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.