Side-by-side · Q2 2026 data
First National Bank of America vs Capitol National Bank
Metric by metric
| Measure | First National Bank of America | Capitol National Bank |
|---|---|---|
| TellerScore | 51 | 75 (stronger) |
| Capital cushion | 31 | 100 (stronger) |
| Loan quality | 37 | 50 (stronger) |
| Earnings | 100 (stronger) | 92 |
| Funding & liquidity | 46 (stronger) | 38 |
| Problem-loan coverage | 59 | 86 (stronger) |
| Peer percentile | 8th | 61st |
| Total assets | $6.8B | $209.3M |
| Deposits / shares | $3.9B | $162.1M |
| Capital ratio | 8.13% | 16.74% (stronger) |
| Problem loans | 1.90% | 1.49% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.79% (stronger) | 1.79% |
| Loans ÷ deposits | 160.1% | 102.7% (stronger) |
| Uninsured deposits | 18.7% (stronger) | 32.8% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.9% | — |
Capitol National Bank has the higher TellerScore (75 vs 51). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of America leads on 2 and Capitol National Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.