Side-by-side · Q2 2026 data
First Community Bank, Xenia-Flora vs Clay County State Bank
Metric by metric
| Measure | First Community Bank, Xenia-Flora | Clay County State Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 59 |
| Capital cushion | 70 | 82 (stronger) |
| Loan quality | 93 (stronger) | 0 |
| Earnings | 90 (stronger) | 80 |
| Funding & liquidity | 96 (stronger) | 76 |
| Problem-loan coverage | 98 (stronger) | 70 |
| Peer percentile | 81st | 17th |
| Total assets | $55.5M | $104.3M |
| Deposits / shares | $47.3M | $91.7M |
| Capital ratio | 12.03% | 13.18% (stronger) |
| Problem loans | 0.22% (stronger) | 3.82% |
| Net charge-offs | -0.04% (stronger) | 0.03% |
| Return on assets | 1.76% (stronger) | 1.50% |
| Loans ÷ deposits | 64.6% | 51.1% (stronger) |
| Uninsured deposits | 11.9% (stronger) | 36.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Bank, Xenia-Flora has the higher TellerScore (86 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank, Xenia-Flora leads on 5 and Clay County State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.