Countryside Bank vs First Bank and Trust of Fullerton
This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Countryside Bank
Unadilla, NE
Health score
87.1
Total assets
$118.5M
Bank
First Bank and Trust of Fullerton
Fullerton, NE
Health score
84.7
Total assets
$108.3M
Answer first
Different strengths, no blanket winner
Countryside Bank leads on financial health and capitalization and profitability and growth; First Bank and Trust of Fullerton leads on lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Where each institution leads
Financial health
Countryside Bank
Higher TFS health score
Capitalization
Countryside Bank
Higher comparable capital ratio
Profitability
Countryside Bank
Higher return on assets
Lending quality
First Bank and Trust of Fullerton
Lower problem-loan measure
Growth
Countryside Bank
Higher year-over-year asset growth
Same-source detail
Financial metrics
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Countryside Bank | First Bank and Trust of Fullerton |
|---|---|---|
| TFS health score | 87.1/100Leads | 84.7/100 |
| Total assets | $118.5M | $108.3M |
| Total deposits / shares | $96.7M | $83.9M |
| Tier 1 capital ratio | 15.20%Leads | 14.20% |
| Return on assets | 1.35%Leads | 1.06% |
| Return on equity | 9.03%Leads | 8.10% |
| Non-performing loans | 0.35% | 0.00%Leads |
| Net charge-offs | 0.02% | 0.00%Leads |
| Efficiency ratio | 61.26%Leads | 64.22% |
| Loan-to-deposit ratio | 69.51% | 81.67% |
| Asset growth (YoY) | 2.25%Leads | 1.85% |
| Deposit / share growth (YoY) | 1.65%Leads | 1.17% |
| Branches | 3 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
Branch and market overlap
Countryside Bank
3 branches
First Bank and Trust of Fullerton
2 branches
Both institutions report branches in 1 state: NE.
CFPB complaint coverage
Countryside Bank
Unavailable
First Bank and Trust of Fullerton
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Regulatory-action context
Countryside Bank
0 in TFS registry
First Bank and Trust of Fullerton
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
Health and profitability trend
| Quarter | Countryside Bank score | Countryside Bank ROA | First Bank and Trust of Fullerton score | First Bank and Trust of Fullerton ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.70% | — | 0.91% |
| 2024-Q4 | — | 0.69% | — | 0.85% |
| 2025-Q1 | — | 1.04% | — | 0.78% |
| 2025-Q2 | — | 1.21% | — | 0.95% |
| 2025-Q3 | — | 1.13% | — | 0.96% |
| 2025-Q4 | — | 0.96% | — | 0.98% |
| 2026-Q1 | 84.6/100 | 1.46% | 80.3/100 | 0.89% |
| 2026-Q2 | 87.1/100 | 1.35% | 84.7/100 | 1.06% |
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Coverage boundaries
What this does not conclude
- • No product-rate, fee, or customer-service winner without product data.
- • Complaint comparisons appear only when both institutions have reviewed mappings and the same complete source window.
- • Regulatory actions are displayed separately and are not included in category scoring.
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.