Side-by-side · Q2 2026 data
First Bank & Trust Company vs RCB Bank
Metric by metric
| Measure | First Bank & Trust Company | RCB Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 72 |
| Capital cushion | 63 (stronger) | 57 |
| Loan quality | 76 (stronger) | 69 |
| Earnings | 89 (stronger) | 79 |
| Funding & liquidity | 85 | 88 (stronger) |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 72nd | 66th |
| Total assets | $255.2M | $4.0B |
| Deposits / shares | $229.3M | $3.5B |
| Capital ratio | 11.34% (stronger) | 10.70% |
| Problem loans | 0.73% (stronger) | 0.94% |
| Net charge-offs | 1.63% | 0.11% (stronger) |
| Return on assets | 1.73% (stronger) | 1.47% |
| Loans ÷ deposits | 65.1% | 64.9% (stronger) |
| Uninsured deposits | 23.8% | 21.9% (stronger) |
| Offices | 4 | 55 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.9% | 9.7% |
First Bank & Trust Company has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Bank & Trust Company leads on 4 and RCB Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.