Side-by-side · Q2 2026 data
First National Bank in Frankfort vs The State Bank of Bern
Metric by metric
| Measure | First National Bank in Frankfort | The State Bank of Bern |
|---|---|---|
| TellerScore | 72 | 95 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 83 | 100 (stronger) |
| Earnings | 49 | 83 (stronger) |
| Funding & liquidity | 100 (stronger) | 87 |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 45th | 99th |
| Total assets | $61.6M | $128.2M |
| Deposits / shares | $55.4M | $106.7M |
| Capital ratio | 10.76% | 17.33% (stronger) |
| Problem loans | 0.52% | 0.00% (stronger) |
| Net charge-offs | -0.03% (stronger) | -0.00% |
| Return on assets | 0.74% | 1.56% (stronger) |
| Loans ÷ deposits | 55.4% (stronger) | 64.3% |
| Uninsured deposits | 11.5% (stronger) | 23.2% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The State Bank of Bern has the higher TellerScore (95 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First National Bank in Frankfort leads on 3 and The State Bank of Bern on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.