Side-by-side · Q2 2026 data
Bank of Abbeville & Trust Company vs First National Bank USA
Metric by metric
| Measure | Bank of Abbeville & Trust Company | First National Bank USA |
|---|---|---|
| TellerScore | 62 | 89 (stronger) |
| Capital cushion | 79 | 91 (stronger) |
| Loan quality | 17 | 99 (stronger) |
| Earnings | 66 | 86 (stronger) |
| Funding & liquidity | 89 (stronger) | 62 |
| Problem-loan coverage | 78 | 100 (stronger) |
| Peer percentile | 22nd | 94th |
| Total assets | $245.5M | $249.1M |
| Deposits / shares | $214.4M | $213.1M |
| Capital ratio | 12.92% | 14.06% (stronger) |
| Problem loans | 2.49% | 0.03% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.15% | 1.65% (stronger) |
| Loans ÷ deposits | 59.4% | 52.6% (stronger) |
| Uninsured deposits | 25.5% (stronger) | 49.9% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.3% |
First National Bank USA has the higher TellerScore (89 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Bank of Abbeville & Trust Company leads on 2 and First National Bank USA on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.