Side-by-side · Q2 2026 data
The International Bank of Amherst vs Richland County Bank
Metric by metric
| Measure | The International Bank of Amherst | Richland County Bank |
|---|---|---|
| TellerScore | 98 (stronger) | 96 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 100th | 99th |
| Total assets | $103.6M | $114.1M |
| Deposits / shares | $88.9M | $96.0M |
| Capital ratio | 14.42% | 17.77% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 2.14% (stronger) | 1.51% |
| Loans ÷ deposits | 59.7% | 51.3% (stronger) |
| Uninsured deposits | 12.4% (stronger) | 12.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The International Bank of Amherst has the higher TellerScore (98 vs 96). On the 6 directional measures above (where higher or lower is clearly better), The International Bank of Amherst leads on 3 and Richland County Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.