Side-by-side · Q2 2026 data
Bank of Franklin vs FNB Picayune Bank
Metric by metric
| Measure | Bank of Franklin | FNB Picayune Bank |
|---|---|---|
| TellerScore | 70 | 86 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 91 (stronger) | 58 |
| Earnings | 59 | 100 (stronger) |
| Funding & liquidity | 76 | 83 (stronger) |
| Problem-loan coverage | 93 (stronger) | 86 |
| Peer percentile | 43rd | 90th |
| Total assets | $302.3M | $282.3M |
| Deposits / shares | $267.8M | $241.0M |
| Capital ratio | 9.88% | 15.44% (stronger) |
| Problem loans | 0.27% (stronger) | 1.26% |
| Net charge-offs | 0.23% | 0.11% (stronger) |
| Return on assets | 0.96% | 3.28% (stronger) |
| Loans ÷ deposits | 77.6% | 75.1% (stronger) |
| Uninsured deposits | 20.9% | 17.0% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.9% |
FNB Picayune Bank has the higher TellerScore (86 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Bank of Franklin leads on 1 and FNB Picayune Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.