Side-by-side · Q2 2026 data
First Community Bank of Central Alabama vs Metro City Bank
Metric by metric
| Measure | First Community Bank of Central Alabama | Metro City Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 73 |
| Capital cushion | 36 | 61 (stronger) |
| Loan quality | 97 (stronger) | 85 |
| Earnings | 100 (stronger) | 97 |
| Funding & liquidity | 61 (stronger) | 30 |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 57th | 70th |
| Total assets | $694.3M | $4.5B |
| Deposits / shares | $638.3M | $3.5B |
| Capital ratio | 8.57% | 11.08% (stronger) |
| Problem loans | 0.10% (stronger) | 0.44% |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 2.44% (stronger) | 1.94% |
| Loans ÷ deposits | 77.7% (stronger) | 111.5% |
| Uninsured deposits | 34.6% | 32.8% (stronger) |
| Offices | 9 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.0% |
First Community Bank of Central Alabama has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank of Central Alabama leads on 4 and Metro City Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.