Side-by-side · Q2 2026 data
First Tri County Bank vs First Bank of Utica
Metric by metric
| Measure | First Tri County Bank | First Bank of Utica |
|---|---|---|
| TellerScore | 72 | 76 (stronger) |
| Capital cushion | 41 | 93 (stronger) |
| Loan quality | 99 (stronger) | 79 |
| Earnings | 56 (stronger) | 45 |
| Funding & liquidity | 91 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 45th | 56th |
| Total assets | $78.5M | $77.4M |
| Deposits / shares | $70.7M | $62.4M |
| Capital ratio | 9.07% | 14.27% (stronger) |
| Problem loans | 0.04% (stronger) | 0.63% |
| Net charge-offs | -0.06% (stronger) | 0.08% |
| Return on assets | 0.89% (stronger) | 0.63% |
| Loans ÷ deposits | 65.1% (stronger) | 93.4% |
| Uninsured deposits | 18.8% | 12.7% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank of Utica has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Tri County Bank leads on 4 and First Bank of Utica on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.