Side-by-side · Q2 2026 data
FCN Bank, National Association vs First State Bank of Middlebury
Metric by metric
| Measure | FCN Bank, National Association | First State Bank of Middlebury |
|---|---|---|
| TellerScore | 73 (stronger) | 67 |
| Capital cushion | 49 | 84 (stronger) |
| Loan quality | 99 (stronger) | 48 |
| Earnings | 63 | 84 (stronger) |
| Funding & liquidity | 72 (stronger) | 35 |
| Problem-loan coverage | 100 (stronger) | 81 |
| Peer percentile | 53rd | 34th |
| Total assets | $812.5M | $836.2M |
| Deposits / shares | $706.5M | $651.3M |
| Capital ratio | 9.92% | 13.37% (stronger) |
| Problem loans | 0.02% (stronger) | 1.55% |
| Net charge-offs | -0.02% (stronger) | -0.00% |
| Return on assets | 1.06% | 1.59% (stronger) |
| Loans ÷ deposits | 77.5% (stronger) | 99.5% |
| Uninsured deposits | 24.5% (stronger) | 37.8% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | 5.7% |
FCN Bank, National Association has the higher TellerScore (73 vs 67). On the 7 directional measures above (where higher or lower is clearly better), FCN Bank, National Association leads on 5 and First State Bank of Middlebury on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.