Side-by-side · Q2 2026 data
First National Bank of America vs Northpointe Bank
Metric by metric
| Measure | First National Bank of America | Northpointe Bank |
|---|---|---|
| TellerScore | 51 | 58 (stronger) |
| Capital cushion | 31 | 45 (stronger) |
| Loan quality | 37 | 59 (stronger) |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 46 | 50 (stronger) |
| Problem-loan coverage | 59 | 76 (stronger) |
| Peer percentile | 8th | 17th |
| Total assets | $6.8B | $7.5B |
| Deposits / shares | $3.9B | $5.3B |
| Capital ratio | 8.13% | 9.54% (stronger) |
| Problem loans | 1.90% | 1.23% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 2.79% (stronger) | 1.32% |
| Loans ÷ deposits | 160.1% | 129.1% (stronger) |
| Uninsured deposits | 18.7% | 7.1% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.9% | 10.4% |
Northpointe Bank has the higher TellerScore (58 vs 51). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of America leads on 2 and Northpointe Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.