Side-by-side · Q2 2026 data
First State Bank of Randolph County vs The Four County Bank
Metric by metric
| Measure | First State Bank of Randolph County | The Four County Bank |
|---|---|---|
| TellerScore | 27 | 87 (stronger) |
| Capital cushion | 33 | 88 (stronger) |
| Loan quality | 0 | 77 (stronger) |
| Earnings | 9 | 98 (stronger) |
| Funding & liquidity | 99 (stronger) | 83 |
| Problem-loan coverage | 0 | 94 (stronger) |
| Peer percentile | 1st | 84th |
| Total assets | $86.9M | $87.1M |
| Deposits / shares | $84.4M | $75.4M |
| Capital ratio | 8.30% | 13.83% (stronger) |
| Problem loans | 4.53% | 0.68% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.46% |
| Return on assets | -0.27% | 1.94% (stronger) |
| Loans ÷ deposits | 35.9% (stronger) | 77.5% |
| Uninsured deposits | 15.9% | 9.7% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Four County Bank has the higher TellerScore (87 vs 27). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Randolph County leads on 2 and The Four County Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.