Side-by-side · Q2 2026 data
First Community Bank, Xenia-Flora vs First State Bank of St. Peter
Metric by metric
| Measure | First Community Bank, Xenia-Flora | First State Bank of St. Peter |
|---|---|---|
| TellerScore | 86 (stronger) | 83 |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 93 (stronger) | 43 |
| Earnings | 90 (stronger) | 88 |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 81st | 73rd |
| Total assets | $55.5M | $30.1M |
| Deposits / shares | $47.3M | $24.6M |
| Capital ratio | 12.03% | 18.52% (stronger) |
| Problem loans | 0.22% (stronger) | 1.71% |
| Net charge-offs | -0.04% (stronger) | 0.61% |
| Return on assets | 1.76% (stronger) | 1.71% |
| Loans ÷ deposits | 64.6% | 30.8% (stronger) |
| Uninsured deposits | 11.9% | 3.5% (stronger) |
| 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 83). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank, Xenia-Flora leads on 4 and First State Bank of St. Peter on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.