Side-by-side · Q2 2026 data
First State Bank of Beecher City vs Peoples Bank & Trust
Metric by metric
| Measure | First State Bank of Beecher City | Peoples Bank & Trust |
|---|---|---|
| TellerScore | 88 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 57 |
| Loan quality | 73 (stronger) | 47 |
| Earnings | 100 | 100 |
| Funding & liquidity | 71 (stronger) | 49 |
| Problem-loan coverage | 93 (stronger) | 82 |
| Peer percentile | 92nd | 26th |
| Total assets | $112.2M | $656.6M |
| Deposits / shares | $93.7M | $522.2M |
| Capital ratio | 15.98% (stronger) | 10.73% |
| Problem loans | 0.81% (stronger) | 1.58% |
| Net charge-offs | 0.14% | 0.01% (stronger) |
| Return on assets | 2.72% (stronger) | 2.16% |
| Loans ÷ deposits | 87.9% | 80.2% (stronger) |
| Uninsured deposits | 16.2% (stronger) | 43.2% |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Beecher City has the higher TellerScore (88 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Beecher City leads on 5 and Peoples Bank & Trust 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.