Side-by-side · Q2 2026 data
First National Bank in Fredonia vs The First State Bank of Healy
Metric by metric
| Measure | First National Bank in Fredonia | The First State Bank of Healy |
|---|---|---|
| TellerScore | 87 (stronger) | 82 |
| Capital cushion | 100 | 100 |
| Loan quality | 79 (stronger) | 70 |
| Earnings | 76 (stronger) | 74 |
| Funding & liquidity | 81 (stronger) | 70 |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 91st | 82nd |
| Total assets | $104.4M | $108.8M |
| Deposits / shares | $92.5M | $86.5M |
| Capital ratio | 16.73% | 16.77% (stronger) |
| Problem loans | 0.63% (stronger) | 0.89% |
| Net charge-offs | -0.46% (stronger) | 0.00% |
| Return on assets | 1.41% (stronger) | 1.36% |
| Loans ÷ deposits | 31.8% (stronger) | 75.4% |
| Uninsured deposits | 32.3% | 28.3% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank in Fredonia has the higher TellerScore (87 vs 82). On the 7 directional measures above (where higher or lower is clearly better), First National Bank in Fredonia leads on 5 and The First State Bank of Healy on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.