Side-by-side · Q2 2026 data
FCNB Bank vs Town & Country Bank
Metric by metric
| Measure | FCNB Bank | Town & Country Bank |
|---|---|---|
| TellerScore | 67 | 86 (stronger) |
| Capital cushion | 31 | 74 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 47 | 100 (stronger) |
| Funding & liquidity | 86 (stronger) | 83 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 34th | 90th |
| Total assets | $220.4M | $747.7M |
| Deposits / shares | $196.0M | $642.2M |
| Capital ratio | 8.06% | 12.37% (stronger) |
| Problem loans | 0.00% (stronger) | 0.35% |
| Net charge-offs | 0.20% | 0.00% (stronger) |
| Return on assets | 0.68% | 2.53% (stronger) |
| Loans ÷ deposits | 71.6% (stronger) | 77.3% |
| Uninsured deposits | 17.6% | 14.2% (stronger) |
| Offices | 6 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.5% |
Town & Country Bank has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), FCNB Bank leads on 2 and Town & Country Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.