Side-by-side · Q2 2026 data
Scott State Bank vs First Community Bank and Trust
Metric by metric
| Measure | Scott State Bank | First Community Bank and Trust |
|---|---|---|
| TellerScore | 86 | 91 (stronger) |
| Capital cushion | 87 (stronger) | 85 |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 65 | 84 (stronger) |
| Funding & liquidity | 92 | 97 (stronger) |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 90th | 96th |
| Total assets | $203.5M | $201.7M |
| Deposits / shares | $178.0M | $170.8M |
| Capital ratio | 13.67% (stronger) | 13.47% |
| Problem loans | 0.24% | 0.00% (stronger) |
| Net charge-offs | 0.03% | -0.21% (stronger) |
| Return on assets | 1.12% | 1.61% (stronger) |
| Loans ÷ deposits | 65.5% | 54.3% (stronger) |
| Uninsured deposits | 17.9% (stronger) | 18.0% |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | — |
First Community Bank and Trust has the higher TellerScore (91 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Scott State Bank leads on 2 and First Community Bank and Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.