Side-by-side · Q2 2026 data
First Community Bank of Tennessee vs Citizens Community Bank
Metric by metric
| Measure | First Community Bank of Tennessee | Citizens Community Bank |
|---|---|---|
| TellerScore | 62 | 90 (stronger) |
| Capital cushion | 53 | 96 (stronger) |
| Loan quality | 75 | 87 (stronger) |
| Earnings | 49 | 92 (stronger) |
| Funding & liquidity | 59 | 73 (stronger) |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 22nd | 95th |
| Total assets | $943.8M | $352.6M |
| Deposits / shares | $702.1M | $303.2M |
| Capital ratio | 10.32% | 14.58% (stronger) |
| Problem loans | 0.75% | 0.38% (stronger) |
| Net charge-offs | 0.21% | 0.08% (stronger) |
| Return on assets | 0.73% | 1.79% (stronger) |
| Loans ÷ deposits | 100.3% | 73.5% (stronger) |
| Uninsured deposits | 16.0% (stronger) | 27.6% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Bank has the higher TellerScore (90 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank of Tennessee leads on 1 and Citizens Community Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.