Side-by-side · Q2 2026 data
Concordia Bank & Trust Company vs Bank of Franklin
Metric by metric
| Measure | Concordia Bank & Trust Company | Bank of Franklin |
|---|---|---|
| TellerScore | 52 | 70 (stronger) |
| Capital cushion | 61 (stronger) | 49 |
| Loan quality | 15 | 91 (stronger) |
| Earnings | 65 (stronger) | 59 |
| Funding & liquidity | 74 | 76 (stronger) |
| Problem-loan coverage | 59 | 93 (stronger) |
| Peer percentile | 8th | 43rd |
| Total assets | $667.0M | $302.3M |
| Deposits / shares | $585.7M | $267.8M |
| Capital ratio | 11.12% (stronger) | 9.88% |
| Problem loans | 2.54% | 0.27% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.23% |
| Return on assets | 1.13% (stronger) | 0.96% |
| Loans ÷ deposits | 60.9% (stronger) | 77.6% |
| Uninsured deposits | 37.3% | 20.9% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | — |
Bank of Franklin has the higher TellerScore (70 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Concordia Bank & Trust Company leads on 4 and Bank of Franklin on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.