Side-by-side · Q2 2026 data
First National Community Bank vs River City Bank
Metric by metric
| Measure | First National Community Bank | River City Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 77 |
| Capital cushion | 79 (stronger) | 51 |
| Loan quality | 86 | 100 (stronger) |
| Earnings | 96 (stronger) | 89 |
| Funding & liquidity | 64 (stronger) | 60 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 86th | 68th |
| Total assets | $754.7M | $423.4M |
| Deposits / shares | $653.2M | $380.9M |
| Capital ratio | 12.92% (stronger) | 10.15% |
| Problem loans | 0.43% | 0.00% (stronger) |
| Net charge-offs | -0.01% | -0.02% (stronger) |
| Return on assets | 1.90% (stronger) | 1.71% |
| Loans ÷ deposits | 81.6% (stronger) | 86.2% |
| Uninsured deposits | 28.2% | 27.7% (stronger) |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | 4.1% |
First National Community Bank has the higher TellerScore (84 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First National Community Bank leads on 4 and River City Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.