Side-by-side · Q2 2026 data
Talbot State Bank vs First City Bank
Metric by metric
| Measure | Talbot State Bank | First City Bank |
|---|---|---|
| TellerScore | 30 | 73 (stronger) |
| Capital cushion | 28 | 100 (stronger) |
| Loan quality | 22 | 100 (stronger) |
| Earnings | 0 | 0 |
| Funding & liquidity | 83 (stronger) | 50 |
| Problem-loan coverage | 38 | 100 (stronger) |
| Peer percentile | 1st | 48th |
| Total assets | $51.7M | $23.0M |
| Deposits / shares | $45.2M | $1.1M |
| Capital ratio | 7.78% | 194.25% (stronger) |
| Problem loans | 2.35% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | -0.85% (stronger) | -3.05% |
| Loans ÷ deposits | 72.5% (stronger) | 660.4% |
| Uninsured deposits | 19.4% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | — |
First City Bank has the higher TellerScore (73 vs 30). On the 6 directional measures above (where higher or lower is clearly better), Talbot State Bank leads on 2 and First City Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.