Side-by-side · Q2 2026 data
First National Bank North vs Vermillion State Bank
Metric by metric
| Measure | First National Bank North | Vermillion State Bank |
|---|---|---|
| TellerScore | 85 | 90 (stronger) |
| Capital cushion | 71 | 84 (stronger) |
| Loan quality | 92 | 92 |
| Earnings | 100 | 100 |
| Funding & liquidity | 74 | 83 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 88th | 95th |
| Total assets | $864.3M | $931.4M |
| Deposits / shares | $756.3M | $806.6M |
| Capital ratio | 12.14% | 13.40% (stronger) |
| Problem loans | 0.23% (stronger) | 0.24% |
| Net charge-offs | 0.02% | -0.12% (stronger) |
| Return on assets | 2.54% | 2.56% (stronger) |
| Loans ÷ deposits | 84.1% | 51.7% (stronger) |
| Uninsured deposits | 17.1% (stronger) | 30.2% |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Vermillion State Bank has the higher TellerScore (90 vs 85). On the 7 directional measures above (where higher or lower is clearly better), First National Bank North leads on 2 and Vermillion State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.