Side-by-side · Q2 2026 data
First National Bank vs Encore Bank
Metric by metric
| Measure | First National Bank | Encore Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 61 |
| Capital cushion | 61 (stronger) | 44 |
| Loan quality | 94 | 94 |
| Earnings | 68 (stronger) | 35 |
| Funding & liquidity | 37 | 53 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 63rd | 24th |
| Total assets | $2.6B | $3.7B |
| Deposits / shares | $2.1B | $3.4B |
| Capital ratio | 11.12% (stronger) | 9.43% |
| Problem loans | 0.19% | 0.17% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.13% |
| Return on assets | 1.20% (stronger) | 0.37% |
| Loans ÷ deposits | 97.8% | 80.1% (stronger) |
| Uninsured deposits | 37.9% (stronger) | 39.8% |
| Offices | 23 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | 19.6% |
First National Bank has the higher TellerScore (71 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 5 and Encore Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.