Side-by-side · Q2 2026 data
Clare Bank, National Association vs First National Community Bank
Metric by metric
| Measure | Clare Bank, National Association | First National Community Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 71 |
| Capital cushion | 66 (stronger) | 44 |
| Loan quality | 72 | 95 (stronger) |
| Earnings | 61 | 74 (stronger) |
| Funding & liquidity | 88 (stronger) | 64 |
| Problem-loan coverage | 91 | 97 (stronger) |
| Peer percentile | 50th | 47th |
| Total assets | $332.5M | $345.3M |
| Deposits / shares | $276.0M | $311.8M |
| Capital ratio | 11.64% (stronger) | 9.38% |
| Problem loans | 0.85% | 0.16% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.02% |
| Return on assets | 1.03% | 1.35% (stronger) |
| Loans ÷ deposits | 63.9% (stronger) | 75.5% |
| Uninsured deposits | 22.5% (stronger) | 33.8% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.2% |
Clare Bank, National Association has the higher TellerScore (72 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Clare Bank, National Association leads on 5 and First National Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.