Side-by-side · Q2 2026 data
First Community Bank vs South Atlantic Bank
Metric by metric
| Measure | First Community Bank | South Atlantic Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 70 |
| Capital cushion | 43 | 44 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 70 (stronger) | 63 |
| Funding & liquidity | 63 (stronger) | 58 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 63rd | 58th |
| Total assets | $2.4B | $2.0B |
| Deposits / shares | $2.0B | $1.7B |
| Capital ratio | 9.29% | 9.42% (stronger) |
| Problem loans | 0.05% | 0.01% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.25% (stronger) | 1.07% |
| Loans ÷ deposits | 77.4% (stronger) | 91.1% |
| Uninsured deposits | 32.7% | 25.5% (stronger) |
| Offices | 22 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.8% | 4.9% |
First Community Bank has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 3 and South Atlantic Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.