Side-by-side · Q2 2026 data
First National Bank vs Black Hills Community Bank, N.A.
Metric by metric
| Measure | First National Bank | Black Hills Community Bank, N.A. |
|---|---|---|
| TellerScore | 84 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 100 (stronger) | 89 |
| Funding & liquidity | 31 | 42 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 95th | 80th |
| Total assets | $2.0B | $489.7M |
| Deposits / shares | $1.5B | $430.4M |
| Capital ratio | 21.88% (stronger) | 12.44% |
| Problem loans | 0.69% | 0.00% (stronger) |
| Net charge-offs | 3.49% | -0.09% (stronger) |
| Return on assets | 2.50% (stronger) | 1.71% |
| Loans ÷ deposits | 98.9% | 85.7% (stronger) |
| Uninsured deposits | 42.4% (stronger) | 44.6% |
| Offices | 18 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | — |
First National Bank has the higher TellerScore (84 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 4 and Black Hills Community Bank, N.A. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.