Side-by-side · Q2 2026 data
First Bank vs Rabun County Bank
Metric by metric
| Measure | First Bank | Rabun County Bank |
|---|---|---|
| TellerScore | 74 | 81 (stronger) |
| Capital cushion | 65 (stronger) | 55 |
| Loan quality | 84 | 98 (stronger) |
| Earnings | 83 | 86 (stronger) |
| Funding & liquidity | 51 | 87 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 87th | 80th |
| Total assets | $13.0B | $361.5M |
| Deposits / shares | $11.1B | $321.3M |
| Capital ratio | 11.50% (stronger) | 10.49% |
| Problem loans | 0.49% | 0.05% (stronger) |
| Net charge-offs | 0.05% | -0.01% (stronger) |
| Return on assets | 1.56% | 1.64% (stronger) |
| Loans ÷ deposits | 80.0% | 71.8% (stronger) |
| Uninsured deposits | 41.0% | 16.5% (stronger) |
| Offices | 111 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Rabun County Bank has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 1 and Rabun County Bank on 6. 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.