Side-by-side · Q2 2026 data
Peoples Bank & Trust Company vs First Community Bank of Tennessee
Metric by metric
| Measure | Peoples Bank & Trust Company | First Community Bank of Tennessee |
|---|---|---|
| TellerScore | 93 (stronger) | 62 |
| Capital cushion | 97 (stronger) | 53 |
| Loan quality | 99 (stronger) | 75 |
| Earnings | 90 (stronger) | 49 |
| Funding & liquidity | 75 (stronger) | 59 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 98th | 22nd |
| Total assets | $168.6M | $943.8M |
| Deposits / shares | $142.6M | $702.1M |
| Capital ratio | 14.70% (stronger) | 10.32% |
| Problem loans | 0.02% (stronger) | 0.75% |
| Net charge-offs | 0.02% (stronger) | 0.21% |
| Return on assets | 1.76% (stronger) | 0.73% |
| Loans ÷ deposits | 79.6% (stronger) | 100.3% |
| Uninsured deposits | 20.3% | 16.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peoples Bank & Trust Company has the higher TellerScore (93 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank & Trust Company leads on 6 and First Community Bank of Tennessee on 1. 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.