Side-by-side · Q2 2026 data
First National Bank & Trust Company vs Scott State Bank
Metric by metric
| Measure | First National Bank & Trust Company | Scott State Bank |
|---|---|---|
| TellerScore | 53 | 86 (stronger) |
| Capital cushion | 28 | 87 (stronger) |
| Loan quality | 71 | 92 (stronger) |
| Earnings | 40 | 65 (stronger) |
| Funding & liquidity | 94 (stronger) | 92 |
| Problem-loan coverage | 46 | 98 (stronger) |
| Peer percentile | 9th | 90th |
| Total assets | $388.1M | $203.5M |
| Deposits / shares | $364.9M | $178.0M |
| Capital ratio | 7.79% | 13.67% (stronger) |
| Problem loans | 0.88% | 0.24% (stronger) |
| Net charge-offs | 0.11% | 0.03% (stronger) |
| Return on assets | 0.49% | 1.12% (stronger) |
| Loans ÷ deposits | 42.7% (stronger) | 65.5% |
| Uninsured deposits | 21.1% | 17.9% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.4% |
Scott State Bank has the higher TellerScore (86 vs 53). On the 7 directional measures above (where higher or lower is clearly better), First National Bank & Trust Company leads on 1 and Scott State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.