Side-by-side · Q2 2026 data
First Central State Bank vs Quad City Bank and Trust Company
Metric by metric
| Measure | First Central State Bank | Quad City Bank and Trust Company |
|---|---|---|
| TellerScore | 83 (stronger) | 70 |
| Capital cushion | 84 (stronger) | 60 |
| Loan quality | 93 (stronger) | 83 |
| Earnings | 77 | 80 (stronger) |
| Funding & liquidity | 65 (stronger) | 42 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 84th | 58th |
| Total assets | $772.4M | $2.8B |
| Deposits / shares | $595.4M | $2.4B |
| Capital ratio | 13.39% (stronger) | 11.01% |
| Problem loans | 0.21% (stronger) | 0.51% |
| Net charge-offs | 0.01% (stronger) | 0.50% |
| Return on assets | 1.43% | 1.50% (stronger) |
| Loans ÷ deposits | 82.4% | 78.3% (stronger) |
| Uninsured deposits | 26.7% (stronger) | 51.0% |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 4.6% |
First Central State Bank has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Central State Bank leads on 5 and Quad City Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.