Side-by-side · Q2 2026 data
First American Bank and Trust vs First National Bank USA
Metric by metric
| Measure | First American Bank and Trust | First National Bank USA |
|---|---|---|
| TellerScore | 73 | 89 (stronger) |
| Capital cushion | 88 | 91 (stronger) |
| Loan quality | 57 | 99 (stronger) |
| Earnings | 65 | 86 (stronger) |
| Funding & liquidity | 72 (stronger) | 62 |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 70th | 94th |
| Total assets | $1.4B | $249.1M |
| Deposits / shares | $1.2B | $213.1M |
| Capital ratio | 13.81% | 14.06% (stronger) |
| Problem loans | 1.28% | 0.03% (stronger) |
| Net charge-offs | 0.32% | 0.02% (stronger) |
| Return on assets | 1.11% | 1.65% (stronger) |
| Loans ÷ deposits | 69.5% | 52.6% (stronger) |
| Uninsured deposits | 32.1% (stronger) | 49.9% |
| Offices | 25 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | 14.3% |
First National Bank USA has the higher TellerScore (89 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First American Bank and Trust leads on 1 and First National Bank USA on 6. 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
- Boutte, LA