Side-by-side · Q2 2026 data
First Bank vs TowneBank
Metric by metric
| Measure | First Bank | TowneBank |
|---|---|---|
| TellerScore | 74 | 74 |
| Capital cushion | 65 (stronger) | 50 |
| Loan quality | 84 | 93 (stronger) |
| Earnings | 83 | 100 (stronger) |
| Funding & liquidity | 51 (stronger) | 43 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 87th | 87th |
| Total assets | $13.0B | $22.6B |
| Deposits / shares | $11.1B | $18.8B |
| Capital ratio | 11.50% (stronger) | 10.00% |
| Problem loans | 0.49% | 0.22% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.10% |
| Return on assets | 1.56% | 2.17% (stronger) |
| Loans ÷ deposits | 80.0% (stronger) | 81.2% |
| Uninsured deposits | 41.0% (stronger) | 48.0% |
| Offices | 111 | 77 |
| CFPB complaints (3 yrs) | — | 39 |
| Complaints per $1B deposits | — | 2.1 |
| Mortgage denial rate (HMDA) | 18.3% | 6.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Bank leads on 4 and TowneBank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.