Side-by-side · Q2 2026 data
First Community Bank of Central Alabama vs River Bank & Trust
Metric by metric
| Measure | First Community Bank of Central Alabama | River Bank & Trust |
|---|---|---|
| TellerScore | 74 (stronger) | 66 |
| Capital cushion | 36 | 42 (stronger) |
| Loan quality | 97 (stronger) | 84 |
| Earnings | 100 (stronger) | 80 |
| Funding & liquidity | 61 (stronger) | 49 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 57th | 40th |
| Total assets | $694.3M | $4.0B |
| Deposits / shares | $638.3M | $3.5B |
| Capital ratio | 8.57% | 9.23% (stronger) |
| Problem loans | 0.10% (stronger) | 0.48% |
| Net charge-offs | 0.02% | 0.02% (stronger) |
| Return on assets | 2.44% (stronger) | 1.49% |
| Loans ÷ deposits | 77.7% (stronger) | 80.5% |
| Uninsured deposits | 34.6% (stronger) | 42.9% |
| Offices | 9 | 25 |
| CFPB complaints (3 yrs) | — | 17 |
| Complaints per $1B deposits | — | 4.8 |
| Mortgage denial rate (HMDA) | — | — |
First Community Bank of Central Alabama has the higher TellerScore (74 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank of Central Alabama leads on 5 and River Bank & Trust on 2. 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.
Where both have branches
- Prattville, AL
- Wetumpka, AL
- Millbrook, AL