Side-by-side · Q2 2026 data
First National Bank vs Benchmark Community Bank
Metric by metric
| Measure | First National Bank | Benchmark Community Bank |
|---|---|---|
| TellerScore | 73 | 75 (stronger) |
| Capital cushion | 38 | 48 (stronger) |
| Loan quality | 94 | 94 |
| Earnings | 90 (stronger) | 85 |
| Funding & liquidity | 70 | 71 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 70th | 77th |
| Total assets | $1.1B | $1.4B |
| Deposits / shares | $1.0B | $1.3B |
| Capital ratio | 8.84% | 9.80% (stronger) |
| Problem loans | 0.19% | 0.17% (stronger) |
| Net charge-offs | 0.07% | 0.02% (stronger) |
| Return on assets | 1.76% (stronger) | 1.63% |
| Loans ÷ deposits | 71.3% (stronger) | 88.9% |
| Uninsured deposits | 32.3% | 7.8% (stronger) |
| Offices | 19 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | 9.1% |
Benchmark Community Bank has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 2 and Benchmark Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.