Side-by-side · Q2 2026 data
FCNB Bank vs Legends Bank
Metric by metric
| Measure | FCNB Bank | Legends Bank |
|---|---|---|
| TellerScore | 67 | 90 (stronger) |
| Capital cushion | 31 | 100 (stronger) |
| Loan quality | 100 (stronger) | 83 |
| Earnings | 47 | 100 (stronger) |
| Funding & liquidity | 86 (stronger) | 65 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 34th | 95th |
| Total assets | $220.4M | $635.5M |
| Deposits / shares | $196.0M | $515.2M |
| Capital ratio | 8.06% | 18.31% (stronger) |
| Problem loans | 0.00% (stronger) | 0.51% |
| Net charge-offs | 0.20% | 0.02% (stronger) |
| Return on assets | 0.68% | 2.26% (stronger) |
| Loans ÷ deposits | 71.6% (stronger) | 88.1% |
| Uninsured deposits | 17.6% (stronger) | 21.6% |
| Offices | 6 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.5% |
Legends Bank has the higher TellerScore (90 vs 67). On the 7 directional measures above (where higher or lower is clearly better), FCNB Bank leads on 3 and Legends Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.