Side-by-side · Q2 2026 data
First Peoples Bank vs Metro City Bank
Metric by metric
| Measure | First Peoples Bank | Metro City Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 73 |
| Capital cushion | 78 (stronger) | 61 |
| Loan quality | 96 (stronger) | 85 |
| Earnings | 62 | 97 (stronger) |
| Funding & liquidity | 51 (stronger) | 30 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 68th | 70th |
| Total assets | $449.4M | $4.5B |
| Deposits / shares | $379.2M | $3.5B |
| Capital ratio | 12.84% (stronger) | 11.08% |
| Problem loans | 0.12% (stronger) | 0.44% |
| Net charge-offs | 0.06% | 0.01% (stronger) |
| Return on assets | 1.04% | 1.94% (stronger) |
| Loans ÷ deposits | 92.6% (stronger) | 111.5% |
| Uninsured deposits | 29.8% (stronger) | 32.8% |
| Offices | 9 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | 3.0% |
First Peoples Bank has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Peoples Bank leads on 5 and Metro City Bank on 2. 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.