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 | 77 | 81 (stronger) |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 33 | 100 (stronger) |
| Earnings | 100 (stronger) | 89 |
| Funding & liquidity | 68 (stronger) | 42 |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 68th | 80th |
| Total assets | $477.8M | $489.7M |
| Deposits / shares | $380.1M | $430.4M |
| Capital ratio | 18.41% (stronger) | 12.44% |
| Problem loans | 2.01% | 0.00% (stronger) |
| Net charge-offs | 4.62% | -0.09% (stronger) |
| Return on assets | 2.18% (stronger) | 1.71% |
| Loans ÷ deposits | 90.6% | 85.7% (stronger) |
| Uninsured deposits | 16.2% (stronger) | 44.6% |
| Offices | 13 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | — |
Black Hills Community Bank, N.A. has the higher TellerScore (81 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 3 and Black Hills Community Bank, N.A. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.