Side-by-side · Q2 2026 data
Emprise Bank vs First National Bank in Fredonia
Metric by metric
| Measure | Emprise Bank | First National Bank in Fredonia |
|---|---|---|
| TellerScore | 66 | 87 (stronger) |
| Capital cushion | 27 | 100 (stronger) |
| Loan quality | 88 (stronger) | 79 |
| Earnings | 83 (stronger) | 76 |
| Funding & liquidity | 66 | 81 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 40th | 91st |
| Total assets | $2.8B | $104.4M |
| Deposits / shares | $2.5B | $92.5M |
| Capital ratio | 7.69% | 16.73% (stronger) |
| Problem loans | 0.37% (stronger) | 0.63% |
| Net charge-offs | 0.08% | -0.46% (stronger) |
| Return on assets | 1.58% (stronger) | 1.41% |
| Loans ÷ deposits | 80.0% | 31.8% (stronger) |
| Uninsured deposits | 28.2% (stronger) | 32.3% |
| Offices | 31 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.6% | — |
First National Bank in Fredonia has the higher TellerScore (87 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Emprise Bank leads on 3 and First National Bank in Fredonia on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.