Side-by-side · Q2 2026 data
First Choice Bank vs The Peoples Bank
Metric by metric
| Measure | First Choice Bank | The Peoples Bank |
|---|---|---|
| TellerScore | 61 | 72 (stronger) |
| Capital cushion | 45 | 52 (stronger) |
| Loan quality | 90 (stronger) | 89 |
| Earnings | 35 | 60 (stronger) |
| Funding & liquidity | 56 | 83 (stronger) |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 20th | 50th |
| Total assets | $561.0M | $581.8M |
| Deposits / shares | $510.0M | $522.6M |
| Capital ratio | 9.52% | 10.25% (stronger) |
| Problem loans | 0.31% (stronger) | 0.34% |
| Net charge-offs | 0.09% | -0.03% (stronger) |
| Return on assets | 0.38% | 1.00% (stronger) |
| Loans ÷ deposits | 78.9% | 45.2% (stronger) |
| Uninsured deposits | 37.7% | 30.5% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Peoples Bank has the higher TellerScore (72 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First Choice Bank leads on 1 and The Peoples Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.