Side-by-side · Q2 2026 data
First Security Bank vs Encore Bank
Metric by metric
| Measure | First Security Bank | Encore Bank |
|---|---|---|
| TellerScore | 92 (stronger) | 61 |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 95 (stronger) | 94 |
| Earnings | 94 (stronger) | 35 |
| Funding & liquidity | 62 (stronger) | 53 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 99th | 24th |
| Total assets | $8.6B | $3.7B |
| Deposits / shares | $6.8B | $3.4B |
| Capital ratio | 15.60% (stronger) | 9.43% |
| Problem loans | 0.14% (stronger) | 0.17% |
| Net charge-offs | 0.47% | 0.13% (stronger) |
| Return on assets | 1.85% (stronger) | 0.37% |
| Loans ÷ deposits | 66.1% (stronger) | 80.1% |
| Uninsured deposits | 44.3% | 39.8% (stronger) |
| Offices | 77 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.6% | 19.6% |
First Security Bank has the higher TellerScore (92 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First Security Bank leads on 5 and Encore Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.