Side-by-side · Q2 2026 data
First Community Bank vs First State Bank
Metric by metric
| Measure | First Community Bank | First State Bank |
|---|---|---|
| TellerScore | 64 | 81 (stronger) |
| Capital cushion | 44 | 74 (stronger) |
| Loan quality | 56 | 96 (stronger) |
| Earnings | 79 (stronger) | 75 |
| Funding & liquidity | 83 (stronger) | 65 |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 26th | 80th |
| Total assets | $115.7M | $674.3M |
| Deposits / shares | $97.8M | $572.2M |
| Capital ratio | 9.40% | 12.40% (stronger) |
| Problem loans | 1.32% | 0.12% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.47% (stronger) | 1.38% |
| Loans ÷ deposits | 76.9% (stronger) | 86.5% |
| Uninsured deposits | 15.1% (stronger) | 22.4% |
| Offices | 4 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 3 and First State Bank on 4. 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.