Side-by-side · Q2 2026 data
Putnam County State Bank vs Community First Banking Company
Metric by metric
| Measure | Putnam County State Bank | Community First Banking Company |
|---|---|---|
| TellerScore | 80 (stronger) | 75 |
| Capital cushion | 85 (stronger) | 53 |
| Loan quality | 79 | 100 (stronger) |
| Earnings | 90 (stronger) | 78 |
| Funding & liquidity | 47 | 63 (stronger) |
| Problem-loan coverage | 94 (stronger) | 89 |
| Peer percentile | 77th | 61st |
| Total assets | $317.6M | $307.3M |
| Deposits / shares | $273.7M | $262.2M |
| Capital ratio | 13.52% (stronger) | 10.31% |
| Problem loans | 0.62% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.11% |
| Return on assets | 1.75% (stronger) | 1.44% |
| Loans ÷ deposits | 85.1% (stronger) | 89.5% |
| Uninsured deposits | 40.8% | 21.6% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Putnam County State Bank has the higher TellerScore (80 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Putnam County State Bank leads on 5 and Community First Banking Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.