Side-by-side · Q2 2026 data
First Bank and Trust Company vs Adams County Bank
Metric by metric
| Measure | First Bank and Trust Company | Adams County Bank |
|---|---|---|
| TellerScore | 78 | 83 (stronger) |
| Capital cushion | 55 | 68 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 60 | 95 (stronger) |
| Funding & liquidity | 95 (stronger) | 55 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 60th | 84th |
| Total assets | $91.2M | $241.1M |
| Deposits / shares | $66.3M | $154.6M |
| Capital ratio | 10.55% | 11.82% (stronger) |
| Problem loans | 0.00% (stronger) | 0.00% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.01% | 1.86% (stronger) |
| Loans ÷ deposits | 65.3% (stronger) | 99.2% |
| Uninsured deposits | 10.9% (stronger) | 20.6% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Adams County Bank has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First Bank and Trust Company leads on 4 and Adams County Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.