Side-by-side · Q2 2026 data
First National Bank of America vs Bank of Ann Arbor
Metric by metric
| Measure | First National Bank of America | Bank of Ann Arbor |
|---|---|---|
| TellerScore | 51 | 82 (stronger) |
| Capital cushion | 31 | 82 (stronger) |
| Loan quality | 37 | 91 (stronger) |
| Earnings | 100 (stronger) | 99 |
| Funding & liquidity | 46 (stronger) | 36 |
| Problem-loan coverage | 59 | 96 (stronger) |
| Peer percentile | 8th | 93rd |
| Total assets | $6.8B | $3.5B |
| Deposits / shares | $3.9B | $2.8B |
| Capital ratio | 8.13% | 13.17% (stronger) |
| Problem loans | 1.90% | 0.27% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.07% |
| Return on assets | 2.79% (stronger) | 1.98% |
| Loans ÷ deposits | 160.1% | 92.6% (stronger) |
| Uninsured deposits | 18.7% (stronger) | 44.0% |
| Offices | 3 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.9% | 5.8% |
Bank of Ann Arbor has the higher TellerScore (82 vs 51). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of America leads on 3 and Bank of Ann Arbor on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.