Side-by-side · Q2 2026 data
Focus Bank vs Peoples Bank & Trust Co.
Metric by metric
| Measure | Focus Bank | Peoples Bank & Trust Co. |
|---|---|---|
| TellerScore | 75 (stronger) | 58 |
| Capital cushion | 76 (stronger) | 50 |
| Loan quality | 72 (stronger) | 24 |
| Earnings | 87 (stronger) | 83 |
| Funding & liquidity | 52 | 88 (stronger) |
| Problem-loan coverage | 89 (stronger) | 74 |
| Peer percentile | 61st | 16th |
| Total assets | $854.1M | $908.3M |
| Deposits / shares | $679.8M | $799.3M |
| Capital ratio | 12.61% (stronger) | 9.96% |
| Problem loans | 0.85% (stronger) | 2.27% |
| Net charge-offs | 0.05% | 0.01% (stronger) |
| Return on assets | 1.67% (stronger) | 1.56% |
| Loans ÷ deposits | 103.6% | 61.2% (stronger) |
| Uninsured deposits | 19.7% (stronger) | 25.1% |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 11.2% |
Focus Bank has the higher TellerScore (75 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Focus Bank leads on 5 and Peoples Bank & Trust Co. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.