Side-by-side · Q2 2026 data
First National Bank & Trust Company vs Bank of O'Fallon
Metric by metric
| Measure | First National Bank & Trust Company | Bank of O'Fallon |
|---|---|---|
| TellerScore | 53 | 81 (stronger) |
| Capital cushion | 28 | 88 (stronger) |
| Loan quality | 71 | 77 (stronger) |
| Earnings | 40 | 91 (stronger) |
| Funding & liquidity | 94 (stronger) | 55 |
| Problem-loan coverage | 46 | 91 (stronger) |
| Peer percentile | 9th | 80th |
| Total assets | $388.1M | $377.5M |
| Deposits / shares | $364.9M | $324.1M |
| Capital ratio | 7.79% | 13.82% (stronger) |
| Problem loans | 0.88% | 0.69% (stronger) |
| Net charge-offs | 0.11% | 0.02% (stronger) |
| Return on assets | 0.49% | 1.78% (stronger) |
| Loans ÷ deposits | 42.7% (stronger) | 86.1% |
| Uninsured deposits | 21.1% (stronger) | 32.4% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of O'Fallon has the higher TellerScore (81 vs 53). On the 7 directional measures above (where higher or lower is clearly better), First National Bank & Trust Company leads on 2 and Bank of O'Fallon on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.