Side-by-side · Q2 2026 data
FCN Bank, National Association vs The Napoleon State Bank
Metric by metric
| Measure | FCN Bank, National Association | The Napoleon State Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 70 |
| Capital cushion | 49 | 61 (stronger) |
| Loan quality | 99 (stronger) | 63 |
| Earnings | 63 | 79 (stronger) |
| Funding & liquidity | 72 | 77 (stronger) |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 53rd | 43rd |
| Total assets | $812.5M | $499.2M |
| Deposits / shares | $706.5M | $440.4M |
| Capital ratio | 9.92% | 11.07% (stronger) |
| Problem loans | 0.02% (stronger) | 1.10% |
| Net charge-offs | -0.02% (stronger) | 0.04% |
| Return on assets | 1.06% | 1.47% (stronger) |
| Loans ÷ deposits | 77.5% (stronger) | 81.8% |
| Uninsured deposits | 24.5% | 16.0% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | — |
FCN Bank, National Association has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), FCN Bank, National Association leads on 4 and The Napoleon State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.