Side-by-side · Q2 2026 data
First Community Bank vs First Citizens State Bank
Metric by metric
| Measure | First Community Bank | First Citizens State Bank |
|---|---|---|
| TellerScore | 77 | 90 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 92 | 94 (stronger) |
| Funding & liquidity | 73 (stronger) | 40 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 68th | 95th |
| Total assets | $158.9M | $525.2M |
| Deposits / shares | $141.8M | $355.3M |
| Capital ratio | 10.38% | 18.00% (stronger) |
| Problem loans | 0.34% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 1.81% | 1.85% (stronger) |
| Loans ÷ deposits | 86.5% (stronger) | 109.2% |
| Uninsured deposits | 15.5% (stronger) | 25.1% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
First Citizens State Bank has the higher TellerScore (90 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 3 and First Citizens State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.