Side-by-side · Q2 2026 data
First Century Bank vs Legends Bank
Metric by metric
| Measure | First Century Bank | Legends Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 71 |
| Capital cushion | 44 | 50 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 88 (stronger) | 62 |
| Funding & liquidity | 55 | 56 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 53rd | 47th |
| Total assets | $809.8M | $927.7M |
| Deposits / shares | $722.3M | $824.1M |
| Capital ratio | 9.44% | 9.98% (stronger) |
| Problem loans | 0.07% | 0.00% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.69% (stronger) | 1.04% |
| Loans ÷ deposits | 96.9% | 80.4% (stronger) |
| Uninsured deposits | 22.7% (stronger) | 36.2% |
| Offices | 10 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.4% |
First Century Bank has the higher TellerScore (73 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Century Bank leads on 3 and Legends Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.