Side-by-side · Q2 2026 data
PeoplesTrust Bank vs First Cahawba Bank
Metric by metric
| Measure | PeoplesTrust Bank | First Cahawba Bank |
|---|---|---|
| TellerScore | 73 | 74 (stronger) |
| Capital cushion | 61 (stronger) | 58 |
| Loan quality | 85 | 96 (stronger) |
| Earnings | 63 | 65 (stronger) |
| Funding & liquidity | 77 (stronger) | 62 |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 53rd | 57th |
| Total assets | $201.2M | $205.7M |
| Deposits / shares | $177.6M | $186.6M |
| Capital ratio | 11.11% (stronger) | 10.81% |
| Problem loans | 0.45% | 0.12% (stronger) |
| Net charge-offs | 0.03% | -0.05% (stronger) |
| Return on assets | 1.08% | 1.13% (stronger) |
| Loans ÷ deposits | 74.1% (stronger) | 78.7% |
| Uninsured deposits | 22.9% (stronger) | 33.0% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | 21.4% |
First Cahawba Bank has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), PeoplesTrust Bank leads on 3 and First Cahawba Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.