Side-by-side · Q2 2026 data
Community Spirit Bank vs The First National Bank and Trust
Metric by metric
| Measure | Community Spirit Bank | The First National Bank and Trust |
|---|---|---|
| TellerScore | 77 (stronger) | 74 |
| Capital cushion | 47 | 65 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 75 (stronger) | 40 |
| Funding & liquidity | 84 | 84 |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 68th | 57th |
| Total assets | $228.8M | $238.6M |
| Deposits / shares | $205.7M | $218.9M |
| Capital ratio | 9.73% | 11.54% (stronger) |
| Problem loans | 0.00% (stronger) | 0.10% |
| Net charge-offs | 0.34% | -0.00% (stronger) |
| Return on assets | 1.39% (stronger) | 0.50% |
| Loans ÷ deposits | 72.5% | 67.8% (stronger) |
| Uninsured deposits | 18.0% (stronger) | 22.8% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community Spirit Bank has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Community Spirit Bank leads on 4 and The First National Bank and Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.