Side-by-side · Q2 2026 data
First National Bank & Trust Co. vs Chelsea State Bank
Metric by metric
| Measure | First National Bank & Trust Co. | Chelsea State Bank |
|---|---|---|
| TellerScore | 45 | 75 (stronger) |
| Capital cushion | 45 | 78 (stronger) |
| Loan quality | 0 | 56 (stronger) |
| Earnings | 54 | 83 (stronger) |
| Funding & liquidity | 96 (stronger) | 80 |
| Problem-loan coverage | 66 | 85 (stronger) |
| Peer percentile | 4th | 61st |
| Total assets | $386.4M | $416.5M |
| Deposits / shares | $337.6M | $366.0M |
| Capital ratio | 9.48% | 12.76% (stronger) |
| Problem loans | 3.22% | 1.33% (stronger) |
| Net charge-offs | 0.01% | -0.01% (stronger) |
| Return on assets | 0.85% | 1.57% (stronger) |
| Loans ÷ deposits | 64.2% (stronger) | 69.0% |
| Uninsured deposits | 8.1% (stronger) | 25.5% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Chelsea State Bank has the higher TellerScore (75 vs 45). On the 7 directional measures above (where higher or lower is clearly better), First National Bank & Trust Co. leads on 2 and Chelsea State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.