Side-by-side · Q2 2026 data
SpiritBank vs First Bank & Trust Co.
Metric by metric
| Measure | SpiritBank | First Bank & Trust Co. |
|---|---|---|
| TellerScore | 63 (stronger) | 61 |
| Capital cushion | 43 | 99 (stronger) |
| Loan quality | 71 (stronger) | 0 |
| Earnings | 54 | 100 (stronger) |
| Funding & liquidity | 87 (stronger) | 44 |
| Problem-loan coverage | 88 (stronger) | 51 |
| Peer percentile | 24th | 20th |
| Total assets | $912.8M | $952.1M |
| Deposits / shares | $819.2M | $802.1M |
| Capital ratio | 9.30% | 14.89% (stronger) |
| Problem loans | 0.86% (stronger) | 5.22% |
| Net charge-offs | 0.29% (stronger) | 0.68% |
| Return on assets | 0.86% | 2.20% (stronger) |
| Loans ÷ deposits | 73.7% (stronger) | 87.4% |
| Uninsured deposits | 14.6% (stronger) | 40.7% |
| Offices | 6 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
SpiritBank has the higher TellerScore (63 vs 61). On the 7 directional measures above (where higher or lower is clearly better), SpiritBank leads on 5 and First Bank & Trust Co. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.