Side-by-side · Q2 2026 data
First National Bank vs The Farmers Bank of Appomattox
Metric by metric
| Measure | First National Bank | The Farmers Bank of Appomattox |
|---|---|---|
| TellerScore | 73 | 76 (stronger) |
| Capital cushion | 38 | 76 (stronger) |
| Loan quality | 94 (stronger) | 80 |
| Earnings | 90 (stronger) | 59 |
| Funding & liquidity | 70 | 78 (stronger) |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 70th | 64th |
| Total assets | $1.1B | $374.6M |
| Deposits / shares | $1.0B | $313.6M |
| Capital ratio | 8.84% | 12.58% (stronger) |
| Problem loans | 0.19% (stronger) | 0.59% |
| Net charge-offs | 0.07% (stronger) | 0.53% |
| Return on assets | 1.76% (stronger) | 0.98% |
| Loans ÷ deposits | 71.3% (stronger) | 82.4% |
| Uninsured deposits | 32.3% | 8.9% (stronger) |
| Offices | 19 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | — |
The Farmers Bank of Appomattox has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 4 and The Farmers Bank of Appomattox on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.