Side-by-side · Q2 2026 data
Conservation First Bank vs Richland County Bank
Metric by metric
| Measure | Conservation First Bank | Richland County Bank |
|---|---|---|
| TellerScore | 82 | 96 (stronger) |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 75 | 100 (stronger) |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 47 | 100 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 82nd | 99th |
| Total assets | $127.5M | $114.1M |
| Deposits / shares | $101.3M | $96.0M |
| Capital ratio | 13.96% | 17.77% (stronger) |
| Problem loans | 0.74% | 0.00% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 2.12% (stronger) | 1.51% |
| Loans ÷ deposits | 108.0% | 51.3% (stronger) |
| Uninsured deposits | 19.9% | 12.5% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Richland County Bank has the higher TellerScore (96 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Conservation First Bank leads on 1 and Richland County Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.