Side-by-side · Q2 2026 data
First National Bank vs Western Commerce Bank
Metric by metric
| Measure | First National Bank | Western Commerce Bank |
|---|---|---|
| TellerScore | 42 | 51 (stronger) |
| Capital cushion | 53 (stronger) | 38 |
| Loan quality | 0 | 23 (stronger) |
| Earnings | 63 | 100 (stronger) |
| Funding & liquidity | 77 (stronger) | 46 |
| Problem-loan coverage | 21 | 74 (stronger) |
| Peer percentile | 3rd | 8th |
| Total assets | $452.8M | $863.5M |
| Deposits / shares | $425.4M | $779.5M |
| Capital ratio | 10.31% (stronger) | 8.82% |
| Problem loans | 5.29% | 2.30% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.08% | 3.21% (stronger) |
| Loans ÷ deposits | 50.7% (stronger) | 63.9% |
| Uninsured deposits | 35.9% (stronger) | 66.1% |
| Offices | 5 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.8% |
Western Commerce Bank has the higher TellerScore (51 vs 42). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 3 and Western Commerce Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.