Side-by-side · Q2 2026 data
First Community Bank and Trust vs Municipal Trust and Savings Bank
Metric by metric
| Measure | First Community Bank and Trust | Municipal Trust and Savings Bank |
|---|---|---|
| TellerScore | 91 | 95 (stronger) |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 84 | 100 (stronger) |
| Funding & liquidity | 97 (stronger) | 67 |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 96th | 99th |
| Total assets | $201.7M | $382.2M |
| Deposits / shares | $170.8M | $305.7M |
| Capital ratio | 13.47% | 15.56% (stronger) |
| Problem loans | 0.00% (stronger) | 0.04% |
| Net charge-offs | -0.21% (stronger) | 0.00% |
| Return on assets | 1.61% | 2.96% (stronger) |
| Loans ÷ deposits | 54.3% (stronger) | 84.3% |
| Uninsured deposits | 18.0% (stronger) | 22.6% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.1% |
Municipal Trust and Savings Bank has the higher TellerScore (95 vs 91). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank and Trust leads on 4 and Municipal Trust and Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.