Side-by-side · Q2 2026 data
First National Bank and Trust vs KCB Bank
Metric by metric
| Measure | First National Bank and Trust | KCB Bank |
|---|---|---|
| TellerScore | 72 | 73 (stronger) |
| Capital cushion | 97 (stronger) | 76 |
| Loan quality | 38 | 62 (stronger) |
| Earnings | 75 (stronger) | 71 |
| Funding & liquidity | 64 | 80 (stronger) |
| Problem-loan coverage | 83 | 86 (stronger) |
| Peer percentile | 50th | 53rd |
| Total assets | $322.2M | $322.3M |
| Deposits / shares | $259.5M | $283.5M |
| Capital ratio | 14.73% (stronger) | 12.62% |
| Problem loans | 1.87% | 1.15% (stronger) |
| Net charge-offs | 0.40% | -0.00% (stronger) |
| Return on assets | 1.37% (stronger) | 1.27% |
| Loans ÷ deposits | 85.5% | 68.2% (stronger) |
| Uninsured deposits | 24.5% (stronger) | 26.4% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
KCB Bank has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First National Bank and Trust leads on 3 and KCB Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.