Side-by-side · Q2 2026 data
Troy Bank & Trust Company vs First Citizens Bank
Metric by metric
| Measure | Troy Bank & Trust Company | First Citizens Bank |
|---|---|---|
| TellerScore | 67 | 87 (stronger) |
| Capital cushion | 78 | 93 (stronger) |
| Loan quality | 55 | 75 (stronger) |
| Earnings | 75 | 100 (stronger) |
| Funding & liquidity | 41 | 78 (stronger) |
| Problem-loan coverage | 84 (stronger) | 82 |
| Peer percentile | 44th | 91st |
| Total assets | $1.6B | $402.6M |
| Deposits / shares | $1.4B | $344.1M |
| Capital ratio | 12.83% | 14.30% (stronger) |
| Problem loans | 1.35% | 0.76% (stronger) |
| Net charge-offs | 0.20% | -0.00% (stronger) |
| Return on assets | 1.37% | 2.01% (stronger) |
| Loans ÷ deposits | 74.6% | 66.4% (stronger) |
| Uninsured deposits | 55.1% | 29.5% (stronger) |
| Offices | 14 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.0% |
First Citizens Bank has the higher TellerScore (87 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Troy Bank & Trust Company leads on 0 and First Citizens Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.