Side-by-side · Q2 2026 data
FCNB Bank vs First State Community Bank
Metric by metric
| Measure | FCNB Bank | First State Community Bank |
|---|---|---|
| TellerScore | 67 | 73 (stronger) |
| Capital cushion | 31 | 67 (stronger) |
| Loan quality | 100 (stronger) | 64 |
| Earnings | 47 | 93 (stronger) |
| Funding & liquidity | 86 (stronger) | 61 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 34th | 70th |
| Total assets | $220.4M | $4.5B |
| Deposits / shares | $196.0M | $3.8B |
| Capital ratio | 8.06% | 11.68% (stronger) |
| Problem loans | 0.00% (stronger) | 1.07% |
| Net charge-offs | 0.20% | 0.12% (stronger) |
| Return on assets | 0.68% | 1.82% (stronger) |
| Loans ÷ deposits | 71.6% (stronger) | 90.4% |
| Uninsured deposits | 17.6% (stronger) | 23.0% |
| Offices | 6 | 48 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.4% |
First State Community Bank has the higher TellerScore (73 vs 67). On the 7 directional measures above (where higher or lower is clearly better), FCNB Bank leads on 3 and First State Community Bank 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.
Where both have branches
- Rolla, MO
- Sullivan, MO