Side-by-side · Q2 2026 data
Community First Bank vs St. Clair County State Bank
Metric by metric
| Measure | Community First Bank | St. Clair County State Bank |
|---|---|---|
| TellerScore | 67 | 87 (stronger) |
| Capital cushion | 36 | 85 (stronger) |
| Loan quality | 68 | 92 (stronger) |
| Earnings | 100 (stronger) | 94 |
| Funding & liquidity | 74 (stronger) | 69 |
| Problem-loan coverage | 85 | 97 (stronger) |
| Peer percentile | 34th | 91st |
| Total assets | $258.9M | $231.8M |
| Deposits / shares | $234.6M | $195.7M |
| Capital ratio | 8.57% | 13.51% (stronger) |
| Problem loans | 0.95% | 0.24% (stronger) |
| Net charge-offs | 0.94% | 0.00% (stronger) |
| Return on assets | 2.35% (stronger) | 1.85% |
| Loans ÷ deposits | 84.7% (stronger) | 90.1% |
| Uninsured deposits | 16.6% | 15.8% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
St. Clair County State Bank has the higher TellerScore (87 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Community First Bank leads on 2 and St. Clair County State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.