Side-by-side · Q2 2026 data
Cherokee State Bank vs FNB Bank
Metric by metric
| Measure | Cherokee State Bank | FNB Bank |
|---|---|---|
| TellerScore | 83 | 91 (stronger) |
| Capital cushion | 80 | 95 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 61 | 100 (stronger) |
| Funding & liquidity | 78 (stronger) | 49 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 84th | 96th |
| Total assets | $271.1M | $274.6M |
| Deposits / shares | $218.9M | $211.3M |
| Capital ratio | 13.03% | 14.48% (stronger) |
| Problem loans | 0.00% (stronger) | 0.02% |
| Net charge-offs | -0.11% (stronger) | -0.01% |
| Return on assets | 1.03% | 2.03% (stronger) |
| Loans ÷ deposits | 82.5% (stronger) | 105.7% |
| Uninsured deposits | 15.1% (stronger) | 20.2% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
FNB Bank has the higher TellerScore (91 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Cherokee State Bank leads on 4 and FNB Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.