Side-by-side · Q2 2026 data
FCNB Bank vs St. Clair County State Bank
Metric by metric
| Measure | FCNB Bank | St. Clair County State Bank |
|---|---|---|
| TellerScore | 67 | 87 (stronger) |
| Capital cushion | 31 | 85 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 47 | 94 (stronger) |
| Funding & liquidity | 86 (stronger) | 69 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 34th | 91st |
| Total assets | $220.4M | $231.8M |
| Deposits / shares | $196.0M | $195.7M |
| Capital ratio | 8.06% | 13.51% (stronger) |
| Problem loans | 0.00% (stronger) | 0.24% |
| Net charge-offs | 0.20% | 0.00% (stronger) |
| Return on assets | 0.68% | 1.85% (stronger) |
| Loans ÷ deposits | 71.6% (stronger) | 90.1% |
| Uninsured deposits | 17.6% | 15.8% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Clair County State Bank has the higher TellerScore (87 vs 67). On the 7 directional measures above (where higher or lower is clearly better), FCNB Bank leads on 2 and St. Clair County State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.