Side-by-side · Q2 2026 data
First Community Bank vs City Bank & Trust Co.
Metric by metric
| Measure | First Community Bank | City Bank & Trust Co. |
|---|---|---|
| TellerScore | 66 (stronger) | 58 |
| Capital cushion | 41 | 50 (stronger) |
| Loan quality | 87 (stronger) | 68 |
| Earnings | 60 (stronger) | 58 |
| Funding & liquidity | 71 (stronger) | 41 |
| Problem-loan coverage | 94 (stronger) | 85 |
| Peer percentile | 31st | 16th |
| Total assets | $342.3M | $323.2M |
| Deposits / shares | $300.2M | $288.4M |
| Capital ratio | 9.05% | 10.03% (stronger) |
| Problem loans | 0.40% (stronger) | 0.96% |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 0.99% (stronger) | 0.94% |
| Loans ÷ deposits | 84.8% (stronger) | 100.8% |
| Uninsured deposits | 18.9% (stronger) | 31.3% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.2% |
First Community Bank has the higher TellerScore (66 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 6 and City Bank & Trust Co. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.