Side-by-side · Q2 2026 data
First National Bank vs The Garrett State Bank
Metric by metric
| Measure | First National Bank | The Garrett State Bank |
|---|---|---|
| TellerScore | 61 | 69 (stronger) |
| Capital cushion | 45 | 55 (stronger) |
| Loan quality | 77 (stronger) | 72 |
| Earnings | 37 | 97 (stronger) |
| Funding & liquidity | 79 (stronger) | 43 |
| Problem-loan coverage | 91 (stronger) | 88 |
| Peer percentile | 20th | 40th |
| Total assets | $418.5M | $399.7M |
| Deposits / shares | $383.1M | $339.4M |
| Capital ratio | 9.50% | 10.47% (stronger) |
| Problem loans | 0.70% (stronger) | 0.85% |
| Net charge-offs | 0.02% (stronger) | 0.02% |
| Return on assets | 0.42% | 1.93% (stronger) |
| Loans ÷ deposits | 58.5% (stronger) | 85.2% |
| Uninsured deposits | 34.0% (stronger) | 44.3% |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 12.5% |
The Garrett State Bank has the higher TellerScore (69 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 4 and The Garrett State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.