Side-by-side · Q2 2026 data
First Citizens Bank vs NSB Bank
Metric by metric
| Measure | First Citizens Bank | NSB Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 62 |
| Capital cushion | 70 (stronger) | 35 |
| Loan quality | 95 (stronger) | 89 |
| Earnings | 100 (stronger) | 57 |
| Funding & liquidity | 43 | 59 (stronger) |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 91st | 22nd |
| Total assets | $1.8B | $460.8M |
| Deposits / shares | $1.6B | $400.6M |
| Capital ratio | 11.96% (stronger) | 8.49% |
| Problem loans | 0.16% (stronger) | 0.32% |
| Net charge-offs | 0.13% (stronger) | 0.30% |
| Return on assets | 2.09% (stronger) | 0.92% |
| Loans ÷ deposits | 83.2% | 82.4% (stronger) |
| Uninsured deposits | 45.6% | 31.8% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Citizens Bank has the higher TellerScore (81 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First Citizens Bank leads on 5 and NSB Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.