Side-by-side · Q2 2026 data
First & Farmers National Bank, Inc. vs FNB Bank, Inc.
Metric by metric
| Measure | First & Farmers National Bank, Inc. | FNB Bank, Inc. |
|---|---|---|
| TellerScore | 75 (stronger) | 65 |
| Capital cushion | 65 (stronger) | 35 |
| Loan quality | 74 | 77 (stronger) |
| Earnings | 80 (stronger) | 69 |
| Funding & liquidity | 82 | 86 (stronger) |
| Problem-loan coverage | 91 (stronger) | 89 |
| Peer percentile | 61st | 29th |
| Total assets | $714.2M | $770.0M |
| Deposits / shares | $630.7M | $706.4M |
| Capital ratio | 11.51% (stronger) | 8.48% |
| Problem loans | 0.77% | 0.68% (stronger) |
| Net charge-offs | 0.05% | 0.02% (stronger) |
| Return on assets | 1.50% (stronger) | 1.23% |
| Loans ÷ deposits | 77.3% | 72.0% (stronger) |
| Uninsured deposits | 15.6% (stronger) | 17.2% |
| Offices | 11 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First & Farmers National Bank, Inc. has the higher TellerScore (75 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First & Farmers National Bank, Inc. leads on 4 and FNB Bank, Inc. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.