Side-by-side · Q2 2026 data
Points West Community Bank vs First Bank and Trust of Fullerton
Metric by metric
| Measure | Points West Community Bank | First Bank and Trust of Fullerton |
|---|---|---|
| TellerScore | 75 | 87 (stronger) |
| Capital cushion | 42 | 92 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 78 (stronger) | 62 |
| Funding & liquidity | 84 (stronger) | 79 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 61st | 91st |
| Total assets | $877.6M | $108.3M |
| Deposits / shares | $768.0M | $83.9M |
| Capital ratio | 9.22% | 14.20% (stronger) |
| Problem loans | 0.06% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.45% (stronger) | 1.06% |
| Loans ÷ deposits | 59.8% (stronger) | 81.7% |
| Uninsured deposits | 29.3% | 13.8% (stronger) |
| Offices | 23 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank and Trust of Fullerton has the higher TellerScore (87 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Points West Community Bank leads on 2 and First Bank and Trust of Fullerton 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
- Fullerton, NE