Side-by-side · Q2 2026 data
First Community Bank vs The First Bank and Trust Company
Metric by metric
| Measure | First Community Bank | The First Bank and Trust Company |
|---|---|---|
| TellerScore | 75 (stronger) | 72 |
| Capital cushion | 52 (stronger) | 51 |
| Loan quality | 77 | 91 (stronger) |
| Earnings | 100 (stronger) | 93 |
| Funding & liquidity | 73 (stronger) | 37 |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 77th | 66th |
| Total assets | $3.6B | $4.3B |
| Deposits / shares | $3.0B | $3.8B |
| Capital ratio | 10.23% (stronger) | 10.07% |
| Problem loans | 0.70% | 0.28% (stronger) |
| Net charge-offs | 0.17% (stronger) | 0.22% |
| Return on assets | 2.05% (stronger) | 1.83% |
| Loans ÷ deposits | 79.9% (stronger) | 93.9% |
| Uninsured deposits | 21.3% (stronger) | 41.5% |
| Offices | 62 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.8% | — |
First Community Bank has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 6 and The First Bank and Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.