Side-by-side · Q2 2026 data
First Community Bank vs Carter Bank & Trust
Metric by metric
| Measure | First Community Bank | Carter Bank & Trust |
|---|---|---|
| TellerScore | 75 | 76 (stronger) |
| Capital cushion | 52 | 67 (stronger) |
| Loan quality | 77 (stronger) | 66 |
| Earnings | 100 | 100 |
| Funding & liquidity | 73 (stronger) | 70 |
| Problem-loan coverage | 94 (stronger) | 86 |
| Peer percentile | 77th | 80th |
| Total assets | $3.6B | $4.8B |
| Deposits / shares | $3.0B | $4.2B |
| Capital ratio | 10.23% | 11.73% (stronger) |
| Problem loans | 0.70% (stronger) | 1.01% |
| Net charge-offs | 0.17% | -0.82% (stronger) |
| Return on assets | 2.05% | 3.66% (stronger) |
| Loans ÷ deposits | 79.9% (stronger) | 87.7% |
| Uninsured deposits | 21.3% | 17.7% (stronger) |
| Offices | 62 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.8% | 28.0% |
Carter Bank & Trust has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 2 and Carter Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Mount Airy, NC
- Christiansburg, VA
- Wytheville, VA
- Hillsville, VA
- Pulaski, VA
- Radford, VA
- Stuart, VA
- Blacksburg, VA