Side-by-side · Q2 2026 data
Peoples Bank vs First Carolina Bank
Metric by metric
| Measure | Peoples Bank | First Carolina Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 66 |
| Capital cushion | 65 (stronger) | 64 |
| Loan quality | 86 (stronger) | 73 |
| Earnings | 67 (stronger) | 51 |
| Funding & liquidity | 72 (stronger) | 62 |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 77th | 40th |
| Total assets | $1.8B | $3.4B |
| Deposits / shares | $1.6B | $2.9B |
| Capital ratio | 11.50% (stronger) | 11.36% |
| Problem loans | 0.41% (stronger) | 0.81% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.18% (stronger) | 0.78% |
| Loans ÷ deposits | 81.0% (stronger) | 94.8% |
| Uninsured deposits | 21.5% | 17.7% (stronger) |
| Offices | 16 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.4% | 5.6% |
Peoples Bank has the higher TellerScore (75 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank leads on 5 and First Carolina Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.