Side-by-side · Q2 2026 data
First National Bank & Trust Co. vs State Savings Bank
Metric by metric
| Measure | First National Bank & Trust Co. | State Savings Bank |
|---|---|---|
| TellerScore | 45 | 61 (stronger) |
| Capital cushion | 45 (stronger) | 38 |
| Loan quality | 0 | 93 (stronger) |
| Earnings | 54 (stronger) | 34 |
| Funding & liquidity | 96 (stronger) | 67 |
| Problem-loan coverage | 66 | 97 (stronger) |
| Peer percentile | 4th | 20th |
| Total assets | $386.4M | $431.2M |
| Deposits / shares | $337.6M | $391.6M |
| Capital ratio | 9.48% (stronger) | 8.79% |
| Problem loans | 3.22% | 0.20% (stronger) |
| Net charge-offs | 0.01% | -0.01% (stronger) |
| Return on assets | 0.85% (stronger) | 0.35% |
| Loans ÷ deposits | 64.2% (stronger) | 82.6% |
| Uninsured deposits | 8.1% (stronger) | 24.9% |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
State Savings Bank has the higher TellerScore (61 vs 45). On the 7 directional measures above (where higher or lower is clearly better), First National Bank & Trust Co. leads on 4 and State Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.