Side-by-side · Q2 2026 data
First Central Bank vs Banner Capital Bank
Metric by metric
| Measure | First Central Bank | Banner Capital Bank |
|---|---|---|
| TellerScore | 50 | 69 (stronger) |
| Capital cushion | 66 (stronger) | 60 |
| Loan quality | 0 | 56 (stronger) |
| Earnings | 73 | 95 (stronger) |
| Funding & liquidity | 70 (stronger) | 66 |
| Problem-loan coverage | 55 | 82 (stronger) |
| Peer percentile | 7th | 40th |
| Total assets | $137.8M | $379.8M |
| Deposits / shares | $117.7M | $335.2M |
| Capital ratio | 11.59% (stronger) | 10.96% |
| Problem loans | 3.47% | 1.31% (stronger) |
| Net charge-offs | -0.12% (stronger) | 0.02% |
| Return on assets | 1.34% | 1.88% (stronger) |
| Loans ÷ deposits | 89.3% (stronger) | 91.6% |
| Uninsured deposits | 15.8% (stronger) | 17.7% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.7% |
Banner Capital Bank has the higher TellerScore (69 vs 50). On the 7 directional measures above (where higher or lower is clearly better), First Central Bank leads on 4 and Banner Capital Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.