Side-by-side · Q2 2026 data
Peoples Bank and Trust Company vs First Bank & Trust Co.
Metric by metric
| Measure | Peoples Bank and Trust Company | First Bank & Trust Co. |
|---|---|---|
| TellerScore | 39 | 61 (stronger) |
| Capital cushion | 94 | 99 (stronger) |
| Loan quality | 0 | 0 |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 61 (stronger) | 44 |
| Problem-loan coverage | 12 | 51 (stronger) |
| Peer percentile | 3rd | 20th |
| Total assets | $61.9M | $952.1M |
| Deposits / shares | $49.2M | $802.1M |
| Capital ratio | 14.36% | 14.89% (stronger) |
| Problem loans | 10.85% | 5.22% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.68% |
| Return on assets | -1.32% | 2.20% (stronger) |
| Loans ÷ deposits | 86.7% (stronger) | 87.4% |
| Uninsured deposits | 26.3% (stronger) | 40.7% |
| Offices | 3 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank & Trust Co. has the higher TellerScore (61 vs 39). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank and Trust Company leads on 3 and First Bank & Trust Co. 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.