Side-by-side · Q2 2026 data
Merit Bank vs First Community Bank of Central Alabama
Metric by metric
| Measure | Merit Bank | First Community Bank of Central Alabama |
|---|---|---|
| TellerScore | 64 | 74 (stronger) |
| Capital cushion | 47 (stronger) | 36 |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 23 | 61 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 26th | 57th |
| Total assets | $581.6M | $694.3M |
| Deposits / shares | $446.6M | $638.3M |
| Capital ratio | 9.70% (stronger) | 8.57% |
| Problem loans | 0.00% (stronger) | 0.10% |
| Net charge-offs | 0.14% | 0.02% (stronger) |
| Return on assets | 1.01% | 2.44% (stronger) |
| Loans ÷ deposits | 88.7% | 77.7% (stronger) |
| Uninsured deposits | 58.7% | 34.6% (stronger) |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.6% | — |
First Community Bank of Central Alabama has the higher TellerScore (74 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Merit Bank leads on 2 and First Community Bank of Central Alabama on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.