Side-by-side · Q2 2026 data
The First Bank and Trust Company vs Tarboro Savings Bank, SSB
Metric by metric
| Measure | The First Bank and Trust Company | Tarboro Savings Bank, SSB |
|---|---|---|
| TellerScore | 72 (stronger) | 61 |
| Capital cushion | 51 | 63 (stronger) |
| Loan quality | 91 (stronger) | 78 |
| Earnings | 93 (stronger) | 10 |
| Funding & liquidity | 37 | 76 (stronger) |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 66th | 19th |
| Total assets | $4.3B | $54.1M |
| Deposits / shares | $3.8B | $47.8M |
| Capital ratio | 10.07% | 11.27% (stronger) |
| Problem loans | 0.28% (stronger) | 0.66% |
| Net charge-offs | 0.22% | 0.00% (stronger) |
| Return on assets | 1.83% (stronger) | -0.26% |
| Loans ÷ deposits | 93.9% | 84.6% (stronger) |
| Uninsured deposits | 41.5% | 5.1% (stronger) |
| Offices | 29 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First Bank and Trust Company has the higher TellerScore (72 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The First Bank and Trust Company leads on 3 and Tarboro Savings Bank, SSB on 4. 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.