Side-by-side · Q2 2026 data
Vermilion Valley Bank vs First Community Bank and Trust
Metric by metric
| Measure | Vermilion Valley Bank | First Community Bank and Trust |
|---|---|---|
| TellerScore | 96 (stronger) | 91 |
| Capital cushion | 100 (stronger) | 85 |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 96 (stronger) | 84 |
| Funding & liquidity | 84 | 97 (stronger) |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 99th | 96th |
| Total assets | $198.2M | $201.7M |
| Deposits / shares | $160.1M | $170.8M |
| Capital ratio | 16.70% (stronger) | 13.47% |
| Problem loans | 0.03% | 0.00% (stronger) |
| Net charge-offs | -0.01% | -0.21% (stronger) |
| Return on assets | 1.91% (stronger) | 1.61% |
| Loans ÷ deposits | 71.0% | 54.3% (stronger) |
| Uninsured deposits | 20.2% | 18.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Vermilion Valley Bank has the higher TellerScore (96 vs 91). On the 7 directional measures above (where higher or lower is clearly better), Vermilion Valley Bank leads on 3 and First Community Bank and Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.