Side-by-side · Q2 2026 data
Community Bank and Trust vs Bank of Franklin County
Metric by metric
| Measure | Community Bank and Trust | Bank of Franklin County |
|---|---|---|
| TellerScore | 72 (stronger) | 65 |
| Capital cushion | 34 | 45 (stronger) |
| Loan quality | 96 (stronger) | 91 |
| Earnings | 65 (stronger) | 50 |
| Funding & liquidity | 99 (stronger) | 65 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 50th | 29th |
| Total assets | $445.1M | $419.4M |
| Deposits / shares | $394.4M | $357.5M |
| Capital ratio | 8.37% | 9.53% (stronger) |
| Problem loans | 0.13% (stronger) | 0.27% |
| Net charge-offs | 0.04% (stronger) | 0.21% |
| Return on assets | 1.12% (stronger) | 0.74% |
| Loans ÷ deposits | 51.6% (stronger) | 95.6% |
| Uninsured deposits | 16.1% | 11.9% (stronger) |
| Offices | 13 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.0% |
Community Bank and Trust has the higher TellerScore (72 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Community Bank and Trust leads on 5 and Bank of Franklin County on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.