Side-by-side · Q2 2026 data
Pendleton Community Bank, Inc. vs The First Bank and Trust Company
Metric by metric
| Measure | Pendleton Community Bank, Inc. | The First Bank and Trust Company |
|---|---|---|
| TellerScore | 61 | 72 (stronger) |
| Capital cushion | 37 | 51 (stronger) |
| Loan quality | 72 | 91 (stronger) |
| Earnings | 69 | 93 (stronger) |
| Funding & liquidity | 62 (stronger) | 37 |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 20th | 66th |
| Total assets | $849.7M | $4.3B |
| Deposits / shares | $718.6M | $3.8B |
| Capital ratio | 8.67% | 10.07% (stronger) |
| Problem loans | 0.85% | 0.28% (stronger) |
| Net charge-offs | 0.22% (stronger) | 0.22% |
| Return on assets | 1.23% | 1.83% (stronger) |
| Loans ÷ deposits | 98.2% | 93.9% (stronger) |
| Uninsured deposits | 14.7% (stronger) | 41.5% |
| Offices | 15 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | — |
The First Bank and Trust Company has the higher TellerScore (72 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Pendleton Community Bank, Inc. leads on 2 and The First Bank and Trust Company on 5. 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
- Harrisonburg, VA
- Staunton, VA
- Bridgewater, VA