Side-by-side · Q2 2026 data
First National Bank & Trust Co. vs Union Bank
Metric by metric
| Measure | First National Bank & Trust Co. | Union Bank |
|---|---|---|
| TellerScore | 45 | 53 (stronger) |
| Capital cushion | 45 (stronger) | 38 |
| Loan quality | 0 | 64 (stronger) |
| Earnings | 54 (stronger) | 50 |
| Funding & liquidity | 96 (stronger) | 49 |
| Problem-loan coverage | 66 | 82 (stronger) |
| Peer percentile | 4th | 9th |
| Total assets | $386.4M | $396.7M |
| Deposits / shares | $337.6M | $313.5M |
| Capital ratio | 9.48% (stronger) | 8.83% |
| Problem loans | 3.22% | 1.07% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 0.85% (stronger) | 0.75% |
| Loans ÷ deposits | 64.2% (stronger) | 100.6% |
| Uninsured deposits | 8.1% (stronger) | 25.0% |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.4% |
Union Bank has the higher TellerScore (53 vs 45). On the 7 directional measures above (where higher or lower is clearly better), First National Bank & Trust Co. leads on 4 and Union Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.