Side-by-side · Q2 2026 data
First Bank & Trust vs The First National Bank of Milaca
Metric by metric
| Measure | First Bank & Trust | The First National Bank of Milaca |
|---|---|---|
| TellerScore | 70 | 81 (stronger) |
| Capital cushion | 54 | 58 (stronger) |
| Loan quality | 86 | 88 (stronger) |
| Earnings | 72 | 98 (stronger) |
| Funding & liquidity | 58 | 85 (stronger) |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 58th | 80th |
| Total assets | $4.8B | $293.2M |
| Deposits / shares | $4.2B | $259.8M |
| Capital ratio | 10.37% | 10.77% (stronger) |
| Problem loans | 0.42% | 0.37% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.31% | 1.95% (stronger) |
| Loans ÷ deposits | 84.6% | 75.5% (stronger) |
| Uninsured deposits | 31.1% | 14.0% (stronger) |
| Offices | 22 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.9% | 17.0% |
The First National Bank of Milaca has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Bank & Trust leads on 0 and The First National Bank of Milaca on 7. 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.