Side-by-side · Q2 2026 data
First Choice Bank vs Peoples Bank
Metric by metric
| Measure | First Choice Bank | Peoples Bank |
|---|---|---|
| TellerScore | 61 (stronger) | 52 |
| Capital cushion | 45 | 67 (stronger) |
| Loan quality | 90 (stronger) | 0 |
| Earnings | 35 | 100 (stronger) |
| Funding & liquidity | 56 (stronger) | 52 |
| Problem-loan coverage | 92 (stronger) | 45 |
| Peer percentile | 20th | 8th |
| Total assets | $561.0M | $503.5M |
| Deposits / shares | $510.0M | $445.0M |
| Capital ratio | 9.52% | 11.72% (stronger) |
| Problem loans | 0.31% (stronger) | 4.28% |
| Net charge-offs | 0.09% (stronger) | 0.31% |
| Return on assets | 0.38% | 3.96% (stronger) |
| Loans ÷ deposits | 78.9% (stronger) | 87.0% |
| Uninsured deposits | 37.7% | 34.2% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.3% |
First Choice Bank has the higher TellerScore (61 vs 52). On the 7 directional measures above (where higher or lower is clearly better), First Choice Bank leads on 4 and Peoples Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.