Side-by-side · Q2 2026 data
First National Bank in Fredonia vs The Peoples State Bank
Metric by metric
| Measure | First National Bank in Fredonia | The Peoples State Bank |
|---|---|---|
| TellerScore | 87 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 79 | 89 (stronger) |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 81 (stronger) | 49 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 91st | 87th |
| Total assets | $104.4M | $23.5M |
| Deposits / shares | $92.5M | $17.4M |
| Capital ratio | 16.73% | 19.83% (stronger) |
| Problem loans | 0.63% | 0.33% (stronger) |
| Net charge-offs | -0.46% (stronger) | -0.07% |
| Return on assets | 1.41% | 2.87% (stronger) |
| Loans ÷ deposits | 31.8% (stronger) | 117.7% |
| Uninsured deposits | 32.3% | 16.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Peoples State Bank has the higher TellerScore (89 vs 87). On the 7 directional measures above (where higher or lower is clearly better), First National Bank in Fredonia leads on 2 and The Peoples State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.