Side-by-side · Q2 2026 data
MCNB Bank and Trust Co. vs First Community Bank
Metric by metric
| Measure | MCNB Bank and Trust Co. | First Community Bank |
|---|---|---|
| TellerScore | 50 | 75 (stronger) |
| Capital cushion | 73 (stronger) | 52 |
| Loan quality | 0 | 77 (stronger) |
| Earnings | 55 | 100 (stronger) |
| Funding & liquidity | 73 | 73 |
| Problem-loan coverage | 62 | 94 (stronger) |
| Peer percentile | 7th | 77th |
| Total assets | $356.5M | $3.6B |
| Deposits / shares | $292.2M | $3.0B |
| Capital ratio | 12.29% (stronger) | 10.23% |
| Problem loans | 3.22% | 0.70% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.17% |
| Return on assets | 0.87% | 2.05% (stronger) |
| Loans ÷ deposits | 86.1% | 79.9% (stronger) |
| Uninsured deposits | 15.8% (stronger) | 21.3% |
| Offices | 6 | 62 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.8% | 30.8% |
First Community Bank has the higher TellerScore (75 vs 50). On the 7 directional measures above (where higher or lower is clearly better), MCNB Bank and Trust Co. leads on 3 and First Community Bank 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.
Where both have branches
- Bluefield, WV
- Princeton, WV
- Richlands, VA
- Beckley, WV
- Daniels, WV