Side-by-side · Q2 2026 data
First National Bank and Trust vs Goppert State Service Bank
Metric by metric
| Measure | First National Bank and Trust | Goppert State Service Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 57 |
| Capital cushion | 97 (stronger) | 43 |
| Loan quality | 38 | 42 (stronger) |
| Earnings | 75 | 79 (stronger) |
| Funding & liquidity | 64 | 70 (stronger) |
| Problem-loan coverage | 83 (stronger) | 69 |
| Peer percentile | 50th | 14th |
| Total assets | $322.2M | $345.3M |
| Deposits / shares | $259.5M | $311.6M |
| Capital ratio | 14.73% (stronger) | 9.28% |
| Problem loans | 1.87% | 1.74% (stronger) |
| Net charge-offs | 0.40% (stronger) | 0.47% |
| Return on assets | 1.37% | 1.48% (stronger) |
| Loans ÷ deposits | 85.5% | 82.7% (stronger) |
| Uninsured deposits | 24.5% | 21.5% (stronger) |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank and Trust has the higher TellerScore (72 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First National Bank and Trust leads on 3 and Goppert State Service Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.