Side-by-side · Q2 2026 data
First National Bank vs Eagle Rock Bank
Metric by metric
| Measure | First National Bank | Eagle Rock Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 88 |
| Loan quality | 33 | 69 (stronger) |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 68 (stronger) | 43 |
| Problem-loan coverage | 85 | 87 (stronger) |
| Peer percentile | 68th | 50th |
| Total assets | $477.8M | $508.2M |
| Deposits / shares | $380.1M | $420.8M |
| Capital ratio | 18.41% (stronger) | 13.80% |
| Problem loans | 2.01% | 0.92% (stronger) |
| Net charge-offs | 4.62% | 0.00% (stronger) |
| Return on assets | 2.18% (stronger) | 1.17% |
| Loans ÷ deposits | 90.6% (stronger) | 102.4% |
| Uninsured deposits | 16.2% (stronger) | 28.3% |
| Offices | 13 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | 0.0% |
First National Bank has the higher TellerScore (77 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 5 and Eagle Rock Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.