Side-by-side · Q2 2026 data
First Citizens Bank vs River Bank & Trust
Metric by metric
| Measure | First Citizens Bank | River Bank & Trust |
|---|---|---|
| TellerScore | 87 (stronger) | 66 |
| Capital cushion | 93 (stronger) | 42 |
| Loan quality | 75 | 84 (stronger) |
| Earnings | 100 (stronger) | 80 |
| Funding & liquidity | 78 (stronger) | 49 |
| Problem-loan coverage | 82 | 92 (stronger) |
| Peer percentile | 91st | 40th |
| Total assets | $402.6M | $4.0B |
| Deposits / shares | $344.1M | $3.5B |
| Capital ratio | 14.30% (stronger) | 9.23% |
| Problem loans | 0.76% | 0.48% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 2.01% (stronger) | 1.49% |
| Loans ÷ deposits | 66.4% (stronger) | 80.5% |
| Uninsured deposits | 29.5% (stronger) | 42.9% |
| Offices | 5 | 25 |
| CFPB complaints (3 yrs) | — | 17 |
| Complaints per $1B deposits | — | 4.8 |
| Mortgage denial rate (HMDA) | 1.0% | — |
First Citizens Bank has the higher TellerScore (87 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First Citizens Bank leads on 6 and River Bank & Trust on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.