Side-by-side · Q2 2026 data
First Bank & Trust Company vs Bank of Grand Lake
Metric by metric
| Measure | First Bank & Trust Company | Bank of Grand Lake |
|---|---|---|
| TellerScore | 78 (stronger) | 65 |
| Capital cushion | 63 (stronger) | 51 |
| Loan quality | 76 (stronger) | 68 |
| Earnings | 89 (stronger) | 65 |
| Funding & liquidity | 85 (stronger) | 70 |
| Problem-loan coverage | 92 (stronger) | 88 |
| Peer percentile | 72nd | 29th |
| Total assets | $255.2M | $249.1M |
| Deposits / shares | $229.3M | $218.8M |
| Capital ratio | 11.34% (stronger) | 10.12% |
| Problem loans | 0.73% (stronger) | 0.96% |
| Net charge-offs | 1.63% | 0.00% (stronger) |
| Return on assets | 1.73% (stronger) | 1.12% |
| Loans ÷ deposits | 65.1% (stronger) | 71.1% |
| Uninsured deposits | 23.8% (stronger) | 31.9% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.9% | — |
First Bank & Trust Company has the higher TellerScore (78 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Bank & Trust Company leads on 6 and Bank of Grand Lake on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.