Side-by-side · Q2 2026 data
First National Bank vs The Bank of Charlotte County
Metric by metric
| Measure | First National Bank | The Bank of Charlotte County |
|---|---|---|
| TellerScore | 73 | 87 (stronger) |
| Capital cushion | 38 | 78 (stronger) |
| Loan quality | 94 (stronger) | 89 |
| Earnings | 90 | 100 (stronger) |
| Funding & liquidity | 70 | 81 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 70th | 91st |
| Total assets | $1.1B | $222.8M |
| Deposits / shares | $1.0B | $194.5M |
| Capital ratio | 8.84% | 12.79% (stronger) |
| Problem loans | 0.19% (stronger) | 0.33% |
| Net charge-offs | 0.07% (stronger) | 0.13% |
| Return on assets | 1.76% | 3.44% (stronger) |
| Loans ÷ deposits | 71.3% | 71.3% (stronger) |
| Uninsured deposits | 32.3% | 22.1% (stronger) |
| Offices | 19 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | 16.4% |
The Bank of Charlotte County has the higher TellerScore (87 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 2 and The Bank of Charlotte County on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.