Side-by-side · Q2 2026 data
Conservation First Bank vs Black River Country Bank
Metric by metric
| Measure | Conservation First Bank | Black River Country Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 69 |
| Capital cushion | 90 (stronger) | 39 |
| Loan quality | 75 | 90 (stronger) |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 47 | 66 (stronger) |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 82nd | 40th |
| Total assets | $127.5M | $101.8M |
| Deposits / shares | $101.3M | $85.2M |
| Capital ratio | 13.96% (stronger) | 8.94% |
| Problem loans | 0.74% | 0.29% (stronger) |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 2.12% (stronger) | 1.38% |
| Loans ÷ deposits | 108.0% | 92.2% (stronger) |
| Uninsured deposits | 19.9% | 17.4% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Conservation First Bank has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Conservation First Bank leads on 3 and Black River Country Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.