Side-by-side · Q2 2026 data
First Community Bank, Xenia-Flora vs Peoples State Bank of Colfax
Metric by metric
| Measure | First Community Bank, Xenia-Flora | Peoples State Bank of Colfax |
|---|---|---|
| TellerScore | 86 (stronger) | 84 |
| Capital cushion | 70 (stronger) | 67 |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 90 (stronger) | 72 |
| Funding & liquidity | 96 (stronger) | 94 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 81st | 76th |
| Total assets | $55.5M | $49.5M |
| Deposits / shares | $47.3M | $43.7M |
| Capital ratio | 12.03% (stronger) | 11.74% |
| Problem loans | 0.22% | 0.00% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.03% |
| Return on assets | 1.76% (stronger) | 1.31% |
| Loans ÷ deposits | 64.6% | 45.7% (stronger) |
| Uninsured deposits | 11.9% (stronger) | 20.8% |
| 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 84). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank, Xenia-Flora leads on 5 and Peoples State Bank of Colfax on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.