Side-by-side · Q2 2026 data
First Community Bank vs Liberty Capital Bank
Metric by metric
| Measure | First Community Bank | Liberty Capital Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 73 |
| Capital cushion | 54 | 59 (stronger) |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 91 (stronger) | 82 |
| Funding & liquidity | 78 (stronger) | 29 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 80th | 53rd |
| Total assets | $794.4M | $767.9M |
| Deposits / shares | $697.4M | $675.9M |
| Capital ratio | 10.36% | 10.89% (stronger) |
| Problem loans | 0.01% (stronger) | 0.07% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.78% (stronger) | 1.54% |
| Loans ÷ deposits | 66.1% (stronger) | 91.0% |
| Uninsured deposits | 29.3% (stronger) | 51.3% |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 8.0% |
First Community Bank has the higher TellerScore (81 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 5 and Liberty Capital Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.