Side-by-side · Q2 2026 data
First Bank vs Capital Bank
Metric by metric
| Measure | First Bank | Capital Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 77 |
| Capital cushion | 89 (stronger) | 58 |
| Loan quality | 73 | 100 (stronger) |
| Earnings | 96 (stronger) | 88 |
| Funding & liquidity | 52 (stronger) | 47 |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 80th | 68th |
| Total assets | $703.6M | $689.7M |
| Deposits / shares | $603.4M | $608.7M |
| Capital ratio | 13.87% (stronger) | 10.81% |
| Problem loans | 0.80% | 0.01% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.11% |
| Return on assets | 1.89% (stronger) | 1.71% |
| Loans ÷ deposits | 94.5% (stronger) | 96.1% |
| Uninsured deposits | 27.3% (stronger) | 31.0% |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | 18.6% |
First Bank has the higher TellerScore (81 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 6 and Capital Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.