Side-by-side · Q2 2026 data
Troy Bank & Trust Company vs First Cahawba Bank
Metric by metric
| Measure | Troy Bank & Trust Company | First Cahawba Bank |
|---|---|---|
| TellerScore | 67 | 74 (stronger) |
| Capital cushion | 78 (stronger) | 58 |
| Loan quality | 55 | 96 (stronger) |
| Earnings | 75 (stronger) | 65 |
| Funding & liquidity | 41 | 62 (stronger) |
| Problem-loan coverage | 84 | 98 (stronger) |
| Peer percentile | 44th | 57th |
| Total assets | $1.6B | $205.7M |
| Deposits / shares | $1.4B | $186.6M |
| Capital ratio | 12.83% (stronger) | 10.81% |
| Problem loans | 1.35% | 0.12% (stronger) |
| Net charge-offs | 0.20% | -0.05% (stronger) |
| Return on assets | 1.37% (stronger) | 1.13% |
| Loans ÷ deposits | 74.6% (stronger) | 78.7% |
| Uninsured deposits | 55.1% | 33.0% (stronger) |
| Offices | 14 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.4% |
First Cahawba Bank has the higher TellerScore (74 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Troy Bank & Trust Company leads on 3 and First Cahawba Bank 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.