Side-by-side · Q2 2026 data
First National Bank vs Kennebec Savings Bank
Metric by metric
| Measure | First National Bank | Kennebec Savings Bank |
|---|---|---|
| TellerScore | 64 | 79 (stronger) |
| Capital cushion | 42 | 90 (stronger) |
| Loan quality | 75 | 85 (stronger) |
| Earnings | 69 | 75 (stronger) |
| Funding & liquidity | 68 (stronger) | 43 |
| Problem-loan coverage | 87 | 94 (stronger) |
| Peer percentile | 33rd | 88th |
| Total assets | $3.2B | $1.9B |
| Deposits / shares | $2.7B | $1.4B |
| Capital ratio | 9.20% | 13.96% (stronger) |
| Problem loans | 0.75% | 0.46% (stronger) |
| Net charge-offs | 0.20% | -0.00% (stronger) |
| Return on assets | 1.22% | 1.37% (stronger) |
| Loans ÷ deposits | 89.5% (stronger) | 110.8% |
| Uninsured deposits | 17.2% (stronger) | 21.9% |
| Offices | 18 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Kennebec Savings Bank has the higher TellerScore (79 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 2 and Kennebec Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.