Side-by-side · Q2 2026 data
First Community Bank vs Nicolet National Bank
Metric by metric
| Measure | First Community Bank | Nicolet National Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 64 |
| Capital cushion | 49 (stronger) | 46 |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 96 (stronger) | 67 |
| Funding & liquidity | 53 | 54 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 68th | 46th |
| Total assets | $413.6M | $15.4B |
| Deposits / shares | $358.3M | $13.0B |
| Capital ratio | 9.93% (stronger) | 9.64% |
| Problem loans | 0.00% (stronger) | 0.63% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.91% (stronger) | 1.17% |
| Loans ÷ deposits | 93.6% | 86.0% (stronger) |
| Uninsured deposits | 27.7% (stronger) | 33.2% |
| Offices | 6 | 110 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 4.5% |
First Community Bank has the higher TellerScore (77 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 6 and Nicolet National Bank 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.
Where both have branches
- Traverse City, MI
- Cheboygan, MI
- Petoskey, MI