Side-by-side · Q2 2026 data
First Community Bank vs Southern First Bank
Metric by metric
| Measure | First Community Bank | Southern First Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 59 |
| Capital cushion | 43 (stronger) | 39 |
| Loan quality | 98 (stronger) | 91 |
| Earnings | 70 (stronger) | 58 |
| Funding & liquidity | 63 (stronger) | 26 |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 63rd | 19th |
| Total assets | $2.4B | $4.7B |
| Deposits / shares | $2.0B | $4.0B |
| Capital ratio | 9.29% (stronger) | 8.89% |
| Problem loans | 0.05% (stronger) | 0.28% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.25% (stronger) | 0.96% |
| Loans ÷ deposits | 77.4% (stronger) | 99.8% |
| Uninsured deposits | 32.7% (stronger) | 45.9% |
| Offices | 22 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.8% | 12.6% |
First Community Bank has the higher TellerScore (71 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 7 and Southern First Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.