Side-by-side · Q2 2026 data
Citizens and Farmers Bank vs First Community Bank
Metric by metric
| Measure | Citizens and Farmers Bank | First Community Bank |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 62 (stronger) | 52 |
| Loan quality | 97 (stronger) | 77 |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 54 | 73 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 77th | 77th |
| Total assets | $2.8B | $3.6B |
| Deposits / shares | $2.4B | $3.0B |
| Capital ratio | 11.20% (stronger) | 10.23% |
| Problem loans | 0.09% (stronger) | 0.70% |
| Net charge-offs | 0.57% | 0.17% (stronger) |
| Return on assets | 1.27% | 2.05% (stronger) |
| Loans ÷ deposits | 89.0% | 79.9% (stronger) |
| Uninsured deposits | 30.5% | 21.3% (stronger) |
| Offices | 32 | 62 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.4% | 30.8% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Citizens and Farmers Bank leads on 2 and First Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.