Side-by-side · Q2 2026 data
First National Bank & Trust Company vs First Secure Bank and Trust Co.
Metric by metric
| Measure | First National Bank & Trust Company | First Secure Bank and Trust Co. |
|---|---|---|
| TellerScore | 53 (stronger) | 39 |
| Capital cushion | 28 | 65 (stronger) |
| Loan quality | 71 (stronger) | 0 |
| Earnings | 40 | 40 |
| Funding & liquidity | 94 (stronger) | 65 |
| Problem-loan coverage | 46 (stronger) | 13 |
| Peer percentile | 9th | 2nd |
| Total assets | $388.1M | $396.2M |
| Deposits / shares | $364.9M | $313.7M |
| Capital ratio | 7.79% | 11.49% (stronger) |
| Problem loans | 0.88% (stronger) | 6.29% |
| Net charge-offs | 0.11% | -0.02% (stronger) |
| Return on assets | 0.49% | 0.51% (stronger) |
| Loans ÷ deposits | 42.7% (stronger) | 94.7% |
| Uninsured deposits | 21.1% | 15.5% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank & Trust Company has the higher TellerScore (53 vs 39). On the 7 directional measures above (where higher or lower is clearly better), First National Bank & Trust Company leads on 3 and First Secure Bank and Trust Co. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.