Side-by-side · Q2 2026 data
First Community Bank vs Charlevoix State Bank
Metric by metric
| Measure | First Community Bank | Charlevoix State Bank |
|---|---|---|
| TellerScore | 77 | 84 (stronger) |
| Capital cushion | 49 | 54 (stronger) |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 96 | 100 (stronger) |
| Funding & liquidity | 53 | 98 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 68th | 86th |
| Total assets | $413.6M | $248.3M |
| Deposits / shares | $358.3M | $221.0M |
| Capital ratio | 9.93% | 10.41% (stronger) |
| Problem loans | 0.00% (stronger) | 0.22% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.91% | 2.31% (stronger) |
| Loans ÷ deposits | 93.6% | 59.0% (stronger) |
| Uninsured deposits | 27.7% | 17.0% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | — |
Charlevoix State Bank has the higher TellerScore (84 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 1 and Charlevoix State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.