Side-by-side · Q2 2026 data
First National Bank vs First Citizens Bank
Metric by metric
| Measure | First National Bank | First Citizens Bank |
|---|---|---|
| TellerScore | 97 (stronger) | 87 |
| Capital cushion | 100 (stronger) | 93 |
| Loan quality | 92 (stronger) | 75 |
| Earnings | 100 | 100 |
| Funding & liquidity | 93 (stronger) | 78 |
| Problem-loan coverage | 99 (stronger) | 82 |
| Peer percentile | 100th | 91st |
| Total assets | $372.7M | $402.6M |
| Deposits / shares | $305.5M | $344.1M |
| Capital ratio | 18.99% (stronger) | 14.30% |
| Problem loans | 0.25% (stronger) | 0.76% |
| Net charge-offs | 0.30% | -0.00% (stronger) |
| Return on assets | 2.51% (stronger) | 2.01% |
| Loans ÷ deposits | 47.4% (stronger) | 66.4% |
| Uninsured deposits | 21.9% (stronger) | 29.5% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.0% |
First National Bank has the higher TellerScore (97 vs 87). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 6 and First Citizens Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.