Side-by-side · Q2 2026 data
First Community Bank vs Encore Bank
Metric by metric
| Measure | First Community Bank | Encore Bank |
|---|---|---|
| TellerScore | 62 (stronger) | 61 |
| Capital cushion | 40 | 44 (stronger) |
| Loan quality | 90 | 94 (stronger) |
| Earnings | 73 (stronger) | 35 |
| Funding & liquidity | 42 | 53 (stronger) |
| Problem-loan coverage | 69 | 97 (stronger) |
| Peer percentile | 27th | 24th |
| Total assets | $3.6B | $3.7B |
| Deposits / shares | $2.9B | $3.4B |
| Capital ratio | 9.04% | 9.43% (stronger) |
| Problem loans | 0.31% | 0.17% (stronger) |
| Net charge-offs | 0.14% | 0.13% (stronger) |
| Return on assets | 1.32% (stronger) | 0.37% |
| Loans ÷ deposits | 101.8% | 80.1% (stronger) |
| Uninsured deposits | 29.5% (stronger) | 39.8% |
| Offices | 34 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.5% | 19.6% |
First Community Bank has the higher TellerScore (62 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 3 and Encore Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.