Side-by-side · Q2 2026 data
Vision Bank vs First Bank & Trust Co.
Metric by metric
| Measure | Vision Bank | First Bank & Trust Co. |
|---|---|---|
| TellerScore | 47 | 61 (stronger) |
| Capital cushion | 42 | 99 (stronger) |
| Loan quality | 14 (stronger) | 0 |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 71 (stronger) | 44 |
| Problem-loan coverage | 57 (stronger) | 51 |
| Peer percentile | 5th | 20th |
| Total assets | $999.6M | $952.1M |
| Deposits / shares | $836.0M | $802.1M |
| Capital ratio | 9.20% | 14.89% (stronger) |
| Problem loans | 2.59% (stronger) | 5.22% |
| Net charge-offs | 0.02% (stronger) | 0.68% |
| Return on assets | 1.29% | 2.20% (stronger) |
| Loans ÷ deposits | 82.9% (stronger) | 87.4% |
| Uninsured deposits | 20.4% (stronger) | 40.7% |
| Offices | 10 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank & Trust Co. has the higher TellerScore (61 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Vision Bank leads on 4 and First Bank & Trust Co. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.