Side-by-side · Q2 2026 data
Ion Bank vs First County Bank
Metric by metric
| Measure | Ion Bank | First County Bank |
|---|---|---|
| TellerScore | 62 (stronger) | 61 |
| Capital cushion | 69 (stronger) | 46 |
| Loan quality | 50 | 92 (stronger) |
| Earnings | 57 (stronger) | 38 |
| Funding & liquidity | 65 (stronger) | 48 |
| Problem-loan coverage | 80 | 96 (stronger) |
| Peer percentile | 27th | 24th |
| Total assets | $2.8B | $2.4B |
| Deposits / shares | $2.3B | $1.9B |
| Capital ratio | 11.91% (stronger) | 9.55% |
| Problem loans | 1.49% | 0.24% (stronger) |
| Net charge-offs | 0.12% | 0.04% (stronger) |
| Return on assets | 0.93% (stronger) | 0.46% |
| Loans ÷ deposits | 87.3% (stronger) | 98.8% |
| Uninsured deposits | 21.7% (stronger) | 27.0% |
| Offices | 32 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.7% | 19.6% |
Ion Bank has the higher TellerScore (62 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Ion Bank leads on 5 and First County Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.