Side-by-side · Q2 2026 data
First Tri County Bank vs Battle Creek State Bank
Metric by metric
| Measure | First Tri County Bank | Battle Creek State Bank |
|---|---|---|
| TellerScore | 72 | 81 (stronger) |
| Capital cushion | 41 | 94 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 56 | 61 (stronger) |
| Funding & liquidity | 91 (stronger) | 38 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 45th | 68th |
| Total assets | $78.5M | $71.0M |
| Deposits / shares | $70.7M | $61.0M |
| Capital ratio | 9.07% | 14.45% (stronger) |
| Problem loans | 0.04% | 0.00% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.00% |
| Return on assets | 0.89% | 1.03% (stronger) |
| Loans ÷ deposits | 65.1% (stronger) | 90.8% |
| Uninsured deposits | 18.8% (stronger) | 42.9% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Battle Creek State Bank has the higher TellerScore (81 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Tri County Bank leads on 3 and Battle Creek State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.