Side-by-side · Q2 2026 data
First National Bank vs First State Bank of DeKalb County
Metric by metric
| Measure | First National Bank | First State Bank of DeKalb County |
|---|---|---|
| TellerScore | 97 (stronger) | 86 |
| Capital cushion | 100 (stronger) | 91 |
| Loan quality | 92 (stronger) | 72 |
| Earnings | 100 | 100 |
| Funding & liquidity | 93 (stronger) | 79 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 100th | 90th |
| Total assets | $372.7M | $353.8M |
| Deposits / shares | $305.5M | $299.0M |
| Capital ratio | 18.99% (stronger) | 14.13% |
| Problem loans | 0.25% (stronger) | 0.84% |
| Net charge-offs | 0.30% | 0.02% (stronger) |
| Return on assets | 2.51% (stronger) | 2.26% |
| Loans ÷ deposits | 47.4% (stronger) | 68.6% |
| Uninsured deposits | 21.9% (stronger) | 26.9% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank has the higher TellerScore (97 vs 86). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 6 and First State Bank of DeKalb County on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.