Side-by-side · Q2 2026 data
First Bank & Trust Co. vs Valliance Bank
Metric by metric
| Measure | First Bank & Trust Co. | Valliance Bank |
|---|---|---|
| TellerScore | 61 (stronger) | 47 |
| Capital cushion | 99 (stronger) | 43 |
| Loan quality | 0 | 47 (stronger) |
| Earnings | 100 (stronger) | 45 |
| Funding & liquidity | 44 (stronger) | 43 |
| Problem-loan coverage | 51 | 72 (stronger) |
| Peer percentile | 20th | 5th |
| Total assets | $952.1M | $923.3M |
| Deposits / shares | $802.1M | $733.0M |
| Capital ratio | 14.89% (stronger) | 9.31% |
| Problem loans | 5.22% | 1.58% (stronger) |
| Net charge-offs | 0.68% | -0.10% (stronger) |
| Return on assets | 2.20% (stronger) | 0.63% |
| Loans ÷ deposits | 87.4% (stronger) | 105.3% |
| Uninsured deposits | 40.7% | 25.6% (stronger) |
| Offices | 13 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank & Trust Co. has the higher TellerScore (61 vs 47). On the 7 directional measures above (where higher or lower is clearly better), First Bank & Trust Co. leads on 4 and Valliance Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.