Side-by-side · Q2 2026 data
First Commercial Bank (USA) vs River Valley Community Bank
Metric by metric
| Measure | First Commercial Bank (USA) | River Valley Community Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 37 |
| Loan quality | 65 | 100 (stronger) |
| Earnings | 64 (stronger) | 47 |
| Funding & liquidity | 20 | 62 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 47th | 29th |
| Total assets | $849.9M | $793.1M |
| Deposits / shares | $646.8M | $704.9M |
| Capital ratio | 23.27% (stronger) | 8.73% |
| Problem loans | 1.05% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 1.10% (stronger) | 0.67% |
| Loans ÷ deposits | 111.5% | 56.8% (stronger) |
| Uninsured deposits | 42.6% (stronger) | 49.2% |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.0% | — |
First Commercial Bank (USA) has the higher TellerScore (71 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Commercial Bank (USA) leads on 5 and River Valley Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.