Side-by-side · Q2 2026 data
First Community Bank and Trust vs Providence Bank & Trust
Metric by metric
| Measure | First Community Bank and Trust | Providence Bank & Trust |
|---|---|---|
| TellerScore | 91 (stronger) | 81 |
| Capital cushion | 85 (stronger) | 65 |
| Loan quality | 100 | 100 |
| Earnings | 84 | 85 (stronger) |
| Funding & liquidity | 97 (stronger) | 64 |
| Problem-loan coverage | 87 | 98 (stronger) |
| Peer percentile | 96th | 91st |
| Total assets | $201.7M | $1.6B |
| Deposits / shares | $170.8M | $1.3B |
| Capital ratio | 13.47% (stronger) | 11.50% |
| Problem loans | 0.00% (stronger) | 0.01% |
| Net charge-offs | -0.21% (stronger) | -0.00% |
| Return on assets | 1.61% | 1.64% (stronger) |
| Loans ÷ deposits | 54.3% (stronger) | 79.5% |
| Uninsured deposits | 18.0% (stronger) | 30.1% |
| Offices | 2 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Bank and Trust has the higher TellerScore (91 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank and Trust leads on 6 and Providence 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.