Side-by-side · Q2 2026 data
FCNB Bank vs TBO Bank
Metric by metric
| Measure | FCNB Bank | TBO Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 50 |
| Capital cushion | 31 | 59 (stronger) |
| Loan quality | 100 (stronger) | 44 |
| Earnings | 47 | 50 (stronger) |
| Funding & liquidity | 86 (stronger) | 25 |
| Problem-loan coverage | 99 (stronger) | 79 |
| Peer percentile | 34th | 7th |
| Total assets | $220.4M | $224.8M |
| Deposits / shares | $196.0M | $195.8M |
| Capital ratio | 8.06% | 10.87% (stronger) |
| Problem loans | 0.00% (stronger) | 1.69% |
| Net charge-offs | 0.20% (stronger) | 34.35% |
| Return on assets | 0.68% | 0.74% (stronger) |
| Loans ÷ deposits | 71.6% (stronger) | 88.2% |
| Uninsured deposits | 17.6% (stronger) | 57.8% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
FCNB Bank has the higher TellerScore (67 vs 50). On the 7 directional measures above (where higher or lower is clearly better), FCNB Bank leads on 5 and TBO Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.