Side-by-side · Q2 2026 data
Legacy Bank & Trust Company vs Community First Banking Company
Metric by metric
| Measure | Legacy Bank & Trust Company | Community First Banking Company |
|---|---|---|
| TellerScore | 64 | 75 (stronger) |
| Capital cushion | 69 (stronger) | 53 |
| Loan quality | 51 | 100 (stronger) |
| Earnings | 67 | 78 (stronger) |
| Funding & liquidity | 61 | 63 (stronger) |
| Problem-loan coverage | 80 | 89 (stronger) |
| Peer percentile | 33rd | 61st |
| Total assets | $1.8B | $307.3M |
| Deposits / shares | $1.5B | $262.2M |
| Capital ratio | 11.91% (stronger) | 10.31% |
| Problem loans | 1.47% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.11% |
| Return on assets | 1.17% | 1.44% (stronger) |
| Loans ÷ deposits | 94.5% | 89.5% (stronger) |
| Uninsured deposits | 19.5% (stronger) | 21.6% |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community First Banking Company has the higher TellerScore (75 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Legacy Bank & Trust Company leads on 3 and Community First Banking Company on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.