Side-by-side · Q2 2026 data
The Citizens National Bank of Woodsfield vs First Community Bank
Metric by metric
| Measure | The Citizens National Bank of Woodsfield | First Community Bank |
|---|---|---|
| TellerScore | 65 | 75 (stronger) |
| Capital cushion | 39 | 52 (stronger) |
| Loan quality | 74 | 77 (stronger) |
| Earnings | 62 | 100 (stronger) |
| Funding & liquidity | 88 (stronger) | 73 |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 29th | 77th |
| Total assets | $153.9M | $3.6B |
| Deposits / shares | $141.9M | $3.0B |
| Capital ratio | 8.88% | 10.23% (stronger) |
| Problem loans | 0.79% | 0.70% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.17% |
| Return on assets | 1.04% | 2.05% (stronger) |
| Loans ÷ deposits | 44.6% (stronger) | 79.9% |
| Uninsured deposits | 26.3% | 21.3% (stronger) |
| Offices | 4 | 62 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 30.8% |
First Community Bank has the higher TellerScore (75 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Woodsfield leads on 2 and First Community Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.