Side-by-side · Q2 2026 data
Reading Co-operative Bank vs Adams Community Bank
Metric by metric
| Measure | Reading Co-operative Bank | Adams Community Bank |
|---|---|---|
| TellerScore | 56 | 59 (stronger) |
| Capital cushion | 23 | 53 (stronger) |
| Loan quality | 98 (stronger) | 87 |
| Earnings | 37 | 39 (stronger) |
| Funding & liquidity | 47 (stronger) | 29 |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 15th | 19th |
| Total assets | $1.2B | $1.0B |
| Deposits / shares | $1.0B | $822.6M |
| Capital ratio | 7.35% | 10.34% (stronger) |
| Problem loans | 0.06% (stronger) | 0.40% |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 0.42% | 0.49% (stronger) |
| Loans ÷ deposits | 94.9% (stronger) | 100.0% |
| Uninsured deposits | 31.0% (stronger) | 42.7% |
| Offices | 13 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 19.1% |
Adams Community Bank has the higher TellerScore (59 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Reading Co-operative Bank leads on 3 and Adams Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.