Side-by-side · Q2 2026 data
First National Bank & Trust Company vs First National Bank of Pana
Metric by metric
| Measure | First National Bank & Trust Company | First National Bank of Pana |
|---|---|---|
| TellerScore | 53 | 78 (stronger) |
| Capital cushion | 28 | 55 (stronger) |
| Loan quality | 71 | 98 (stronger) |
| Earnings | 40 | 83 (stronger) |
| Funding & liquidity | 94 (stronger) | 72 |
| Problem-loan coverage | 46 | 99 (stronger) |
| Peer percentile | 9th | 72nd |
| Total assets | $388.1M | $394.8M |
| Deposits / shares | $364.9M | $350.7M |
| Capital ratio | 7.79% | 10.55% (stronger) |
| Problem loans | 0.88% | 0.07% (stronger) |
| Net charge-offs | 0.11% | 0.00% (stronger) |
| Return on assets | 0.49% | 1.58% (stronger) |
| Loans ÷ deposits | 42.7% (stronger) | 82.6% |
| Uninsured deposits | 21.1% | 20.0% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of Pana has the higher TellerScore (78 vs 53). On the 7 directional measures above (where higher or lower is clearly better), First National Bank & Trust Company leads on 1 and First National Bank of Pana on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.