Side-by-side · Q2 2026 data
First Community Bank, Xenia-Flora vs Community National Bank in Monmouth
Metric by metric
| Measure | First Community Bank, Xenia-Flora | Community National Bank in Monmouth |
|---|---|---|
| TellerScore | 86 (stronger) | 77 |
| Capital cushion | 70 | 81 (stronger) |
| Loan quality | 93 (stronger) | 70 |
| Earnings | 90 (stronger) | 63 |
| Funding & liquidity | 96 (stronger) | 90 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 81st | 58th |
| Total assets | $55.5M | $55.1M |
| Deposits / shares | $47.3M | $47.7M |
| Capital ratio | 12.03% | 13.13% (stronger) |
| Problem loans | 0.22% (stronger) | 0.90% |
| Net charge-offs | -0.04% (stronger) | 0.03% |
| Return on assets | 1.76% (stronger) | 1.08% |
| Loans ÷ deposits | 64.6% (stronger) | 69.9% |
| Uninsured deposits | 11.9% (stronger) | 13.9% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Bank, Xenia-Flora has the higher TellerScore (86 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank, Xenia-Flora leads on 6 and Community National Bank in Monmouth on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.