Side-by-side · Q2 2026 data
CUSB Bank vs First National Bank
Metric by metric
| Measure | CUSB Bank | First National Bank |
|---|---|---|
| TellerScore | 74 | 77 (stronger) |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 78 (stronger) | 33 |
| Earnings | 81 | 100 (stronger) |
| Funding & liquidity | 50 | 68 (stronger) |
| Problem-loan coverage | 91 (stronger) | 85 |
| Peer percentile | 57th | 68th |
| Total assets | $812.1M | $477.8M |
| Deposits / shares | $699.3M | $380.1M |
| Capital ratio | 12.27% | 18.41% (stronger) |
| Problem loans | 0.65% (stronger) | 2.01% |
| Net charge-offs | 0.19% (stronger) | 4.62% |
| Return on assets | 1.53% | 2.18% (stronger) |
| Loans ÷ deposits | 90.7% | 90.6% (stronger) |
| Uninsured deposits | 32.5% | 16.2% (stronger) |
| Offices | 7 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | 13.6% |
First National Bank has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), CUSB Bank leads on 2 and First National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.