Side-by-side · Q2 2026 data
First Citizens Bank vs WCF Financial Bank
Metric by metric
| Measure | First Citizens Bank | WCF Financial Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 23 |
| Capital cushion | 70 (stronger) | 33 |
| Loan quality | 95 (stronger) | 0 |
| Earnings | 100 (stronger) | 24 |
| Funding & liquidity | 43 | 50 (stronger) |
| Problem-loan coverage | 97 (stronger) | 8 |
| Peer percentile | 91st | 0th |
| Total assets | $1.8B | $224.4M |
| Deposits / shares | $1.6B | $173.7M |
| Capital ratio | 11.96% (stronger) | 8.31% |
| Problem loans | 0.16% (stronger) | 5.11% |
| Net charge-offs | 0.13% | -0.00% (stronger) |
| Return on assets | 2.09% (stronger) | 0.10% |
| Loans ÷ deposits | 83.2% (stronger) | 100.3% |
| Uninsured deposits | 45.6% | 23.7% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Citizens Bank has the higher TellerScore (81 vs 23). On the 7 directional measures above (where higher or lower is clearly better), First Citizens Bank leads on 5 and WCF Financial Bank on 2. 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.