Side-by-side · Q2 2026 data
First National Bank in Philip vs Black Hills Community Bank, N.A.
Metric by metric
| Measure | First National Bank in Philip | Black Hills Community Bank, N.A. |
|---|---|---|
| TellerScore | 87 (stronger) | 81 |
| Capital cushion | 71 | 74 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 100 (stronger) | 89 |
| Funding & liquidity | 73 (stronger) | 42 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 91st | 80th |
| Total assets | $458.4M | $489.7M |
| Deposits / shares | $400.6M | $430.4M |
| Capital ratio | 12.05% | 12.44% (stronger) |
| Problem loans | 0.00% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.09% (stronger) |
| Return on assets | 2.15% (stronger) | 1.71% |
| Loans ÷ deposits | 69.2% (stronger) | 85.7% |
| Uninsured deposits | 31.0% (stronger) | 44.6% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank in Philip has the higher TellerScore (87 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First National Bank in Philip leads on 4 and Black Hills Community Bank, N.A. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.