Side-by-side · Q2 2026 data
First Central Bank vs Adams Bank & Trust
Metric by metric
| Measure | First Central Bank | Adams Bank & Trust |
|---|---|---|
| TellerScore | 50 | 82 (stronger) |
| Capital cushion | 66 | 91 (stronger) |
| Loan quality | 0 | 82 (stronger) |
| Earnings | 73 | 73 |
| Funding & liquidity | 70 (stronger) | 69 |
| Problem-loan coverage | 55 | 95 (stronger) |
| Peer percentile | 7th | 93rd |
| Total assets | $137.8M | $1.3B |
| Deposits / shares | $117.7M | $1.1B |
| Capital ratio | 11.59% | 14.11% (stronger) |
| Problem loans | 3.47% | 0.55% (stronger) |
| Net charge-offs | -0.12% (stronger) | 0.02% |
| Return on assets | 1.34% (stronger) | 1.32% |
| Loans ÷ deposits | 89.3% | 82.4% (stronger) |
| Uninsured deposits | 15.8% (stronger) | 23.0% |
| Offices | 3 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.6% |
Adams Bank & Trust has the higher TellerScore (82 vs 50). On the 7 directional measures above (where higher or lower is clearly better), First Central Bank leads on 3 and Adams Bank & Trust 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.