Side-by-side · Q2 2026 data
First Financial Bank vs Encore Bank
Metric by metric
| Measure | First Financial Bank | Encore Bank |
|---|---|---|
| TellerScore | 50 | 61 (stronger) |
| Capital cushion | 62 (stronger) | 44 |
| Loan quality | 0 | 94 (stronger) |
| Earnings | 100 (stronger) | 35 |
| Funding & liquidity | 44 | 53 (stronger) |
| Problem-loan coverage | 47 | 97 (stronger) |
| Peer percentile | 7th | 24th |
| Total assets | $2.0B | $3.7B |
| Deposits / shares | $1.7B | $3.4B |
| Capital ratio | 11.15% (stronger) | 9.43% |
| Problem loans | 3.64% | 0.17% (stronger) |
| Net charge-offs | 0.21% | 0.13% (stronger) |
| Return on assets | 2.18% (stronger) | 0.37% |
| Loans ÷ deposits | 102.1% | 80.1% (stronger) |
| Uninsured deposits | 28.2% (stronger) | 39.8% |
| Offices | 16 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 19.6% |
Encore Bank has the higher TellerScore (61 vs 50). On the 7 directional measures above (where higher or lower is clearly better), First Financial Bank leads on 3 and Encore Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.