Side-by-side · Q2 2026 data
The Clay City Banking Co. vs PeopleFirst Bank
Metric by metric
| Measure | The Clay City Banking Co. | PeopleFirst Bank |
|---|---|---|
| TellerScore | 68 | 78 (stronger) |
| Capital cushion | 52 | 73 (stronger) |
| Loan quality | 64 | 96 (stronger) |
| Earnings | 76 (stronger) | 66 |
| Funding & liquidity | 82 (stronger) | 59 |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 37th | 72nd |
| Total assets | $253.3M | $265.6M |
| Deposits / shares | $227.8M | $211.1M |
| Capital ratio | 10.24% | 12.35% (stronger) |
| Problem loans | 1.09% | 0.13% (stronger) |
| Net charge-offs | 0.10% | 0.03% (stronger) |
| Return on assets | 1.40% (stronger) | 1.14% |
| Loans ÷ deposits | 70.5% (stronger) | 86.5% |
| Uninsured deposits | 22.0% (stronger) | 28.4% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
PeopleFirst Bank has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Clay City Banking Co. leads on 3 and PeopleFirst Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.