Side-by-side · Q2 2026 data
Ameristate Bank vs FNB Community Bank
Metric by metric
| Measure | Ameristate Bank | FNB Community Bank |
|---|---|---|
| TellerScore | 57 (stronger) | 52 |
| Capital cushion | 45 | 55 (stronger) |
| Loan quality | 44 (stronger) | 22 |
| Earnings | 75 (stronger) | 65 |
| Funding & liquidity | 77 (stronger) | 73 |
| Problem-loan coverage | 63 (stronger) | 61 |
| Peer percentile | 14th | 8th |
| Total assets | $477.7M | $480.2M |
| Deposits / shares | $426.4M | $430.3M |
| Capital ratio | 9.55% | 10.54% (stronger) |
| Problem loans | 1.67% (stronger) | 2.35% |
| Net charge-offs | -0.01% (stronger) | 0.36% |
| Return on assets | 1.37% (stronger) | 1.14% |
| Loans ÷ deposits | 79.3% | 69.4% (stronger) |
| Uninsured deposits | 18.0% (stronger) | 30.7% |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.6% | 22.3% |
Ameristate Bank has the higher TellerScore (57 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Ameristate Bank leads on 5 and FNB Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.