Side-by-side · Q2 2026 data
First Trust and Savings Bank vs Community Bank and Trust Company
Metric by metric
| Measure | First Trust and Savings Bank | Community Bank and Trust Company |
|---|---|---|
| TellerScore | 45 | 73 (stronger) |
| Capital cushion | 57 (stronger) | 33 |
| Loan quality | 0 | 97 (stronger) |
| Earnings | 81 | 85 (stronger) |
| Funding & liquidity | 46 | 80 (stronger) |
| Problem-loan coverage | 50 | 99 (stronger) |
| Peer percentile | 4th | 53rd |
| Total assets | $320.6M | $303.5M |
| Deposits / shares | $271.6M | $280.3M |
| Capital ratio | 10.70% (stronger) | 8.28% |
| Problem loans | 3.21% | 0.08% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.02% |
| Return on assets | 1.53% | 1.62% (stronger) |
| Loans ÷ deposits | 100.8% | 68.8% (stronger) |
| Uninsured deposits | 27.2% | 25.1% (stronger) |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Community Bank and Trust Company has the higher TellerScore (73 vs 45). On the 7 directional measures above (where higher or lower is clearly better), First Trust and Savings Bank leads on 2 and Community Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.