Side-by-side · Q2 2026 data
First Bank of Utica vs Bruning Bank
Metric by metric
| Measure | First Bank of Utica | Bruning Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 74 |
| Capital cushion | 93 (stronger) | 50 |
| Loan quality | 79 | 100 (stronger) |
| Earnings | 45 | 69 (stronger) |
| Funding & liquidity | 67 (stronger) | 66 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 56th | 57th |
| Total assets | $77.4M | $659.9M |
| Deposits / shares | $62.4M | $560.4M |
| Capital ratio | 14.27% (stronger) | 10.01% |
| Problem loans | 0.63% | 0.00% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 0.63% | 1.23% (stronger) |
| Loans ÷ deposits | 93.4% | 87.0% (stronger) |
| Uninsured deposits | 12.7% (stronger) | 21.2% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.1% |
First Bank of Utica has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Utica leads on 3 and Bruning Bank on 4. 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.