Side-by-side · Q2 2026 data
First Independent Bank vs First Bank & Trust
Metric by metric
| Measure | First Independent Bank | First Bank & Trust |
|---|---|---|
| TellerScore | 76 (stronger) | 70 |
| Capital cushion | 49 | 54 (stronger) |
| Loan quality | 95 (stronger) | 86 |
| Earnings | 82 (stronger) | 72 |
| Funding & liquidity | 76 (stronger) | 58 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 64th | 58th |
| Total assets | $632.3M | $4.8B |
| Deposits / shares | $533.0M | $4.2B |
| Capital ratio | 9.87% | 10.37% (stronger) |
| Problem loans | 0.14% (stronger) | 0.42% |
| Net charge-offs | 0.02% (stronger) | 0.02% |
| Return on assets | 1.55% (stronger) | 1.31% |
| Loans ÷ deposits | 82.0% (stronger) | 84.6% |
| Uninsured deposits | 16.8% (stronger) | 31.1% |
| Offices | 11 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.9% |
First Independent Bank has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Independent Bank leads on 6 and First Bank & Trust on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.