Side-by-side · Q2 2026 data
First National Bank vs Southern Independent Bank
Metric by metric
| Measure | First National Bank | Southern Independent Bank |
|---|---|---|
| TellerScore | 97 (stronger) | 87 |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 92 | 97 (stronger) |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 93 | 95 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 100th | 91st |
| Total assets | $372.7M | $395.3M |
| Deposits / shares | $305.5M | $336.5M |
| Capital ratio | 18.99% (stronger) | 13.63% |
| Problem loans | 0.25% | 0.08% (stronger) |
| Net charge-offs | 0.30% | 0.04% (stronger) |
| Return on assets | 2.51% (stronger) | 1.11% |
| Loans ÷ deposits | 47.4% (stronger) | 53.1% |
| Uninsured deposits | 21.9% | 19.5% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
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 4 and Southern Independent Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.