Side-by-side · Q2 2026 data
The First Bank and Trust Company vs Carter Bank & Trust
Metric by metric
| Measure | The First Bank and Trust Company | Carter Bank & Trust |
|---|---|---|
| TellerScore | 72 | 76 (stronger) |
| Capital cushion | 51 | 67 (stronger) |
| Loan quality | 91 (stronger) | 66 |
| Earnings | 93 | 100 (stronger) |
| Funding & liquidity | 37 | 70 (stronger) |
| Problem-loan coverage | 96 (stronger) | 86 |
| Peer percentile | 66th | 80th |
| Total assets | $4.3B | $4.8B |
| Deposits / shares | $3.8B | $4.2B |
| Capital ratio | 10.07% | 11.73% (stronger) |
| Problem loans | 0.28% (stronger) | 1.01% |
| Net charge-offs | 0.22% | -0.82% (stronger) |
| Return on assets | 1.83% | 3.66% (stronger) |
| Loans ÷ deposits | 93.9% | 87.7% (stronger) |
| Uninsured deposits | 41.5% | 17.7% (stronger) |
| Offices | 29 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.0% |
Carter Bank & Trust has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The First Bank and Trust Company leads on 1 and Carter Bank & Trust on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.