Side-by-side · Q2 2026 data
The Stephenson National Bank and Trust vs Community First Bank
Metric by metric
| Measure | The Stephenson National Bank and Trust | Community First Bank |
|---|---|---|
| TellerScore | 66 | 78 (stronger) |
| Capital cushion | 51 | 60 (stronger) |
| Loan quality | 62 | 89 (stronger) |
| Earnings | 76 | 81 (stronger) |
| Funding & liquidity | 77 | 77 |
| Problem-loan coverage | 81 | 96 (stronger) |
| Peer percentile | 31st | 72nd |
| Total assets | $676.8M | $634.1M |
| Deposits / shares | $588.0M | $522.4M |
| Capital ratio | 10.07% | 10.95% (stronger) |
| Problem loans | 1.15% | 0.32% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.41% | 1.52% (stronger) |
| Loans ÷ deposits | 83.7% | 75.6% (stronger) |
| Uninsured deposits | 14.9% (stronger) | 22.2% |
| Offices | 6 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.2% | — |
Community First Bank has the higher TellerScore (78 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Stephenson National Bank and Trust leads on 1 and Community First Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.