Side-by-side · Q2 2026 data
Raritan State Bank vs PeopleFirst Bank
Metric by metric
| Measure | Raritan State Bank | PeopleFirst Bank |
|---|---|---|
| TellerScore | 60 | 78 (stronger) |
| Capital cushion | 58 | 73 (stronger) |
| Loan quality | 44 | 96 (stronger) |
| Earnings | 63 | 66 (stronger) |
| Funding & liquidity | 76 (stronger) | 59 |
| Problem-loan coverage | 77 | 99 (stronger) |
| Peer percentile | 19th | 72nd |
| Total assets | $253.9M | $265.6M |
| Deposits / shares | $223.6M | $211.1M |
| Capital ratio | 10.78% | 12.35% (stronger) |
| Problem loans | 1.67% | 0.13% (stronger) |
| Net charge-offs | 0.20% | 0.03% (stronger) |
| Return on assets | 1.06% | 1.14% (stronger) |
| Loans ÷ deposits | 84.1% (stronger) | 86.5% |
| Uninsured deposits | 7.2% (stronger) | 28.4% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
PeopleFirst Bank has the higher TellerScore (78 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Raritan State Bank leads on 2 and PeopleFirst Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.