Side-by-side · Q2 2026 data
First National Bank of Pana vs Scott State Bank
Metric by metric
| Measure | First National Bank of Pana | Scott State Bank |
|---|---|---|
| TellerScore | 78 | 86 (stronger) |
| Capital cushion | 55 | 87 (stronger) |
| Loan quality | 98 (stronger) | 92 |
| Earnings | 83 (stronger) | 65 |
| Funding & liquidity | 72 | 92 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 72nd | 90th |
| Total assets | $394.8M | $203.5M |
| Deposits / shares | $350.7M | $178.0M |
| Capital ratio | 10.55% | 13.67% (stronger) |
| Problem loans | 0.07% (stronger) | 0.24% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.58% (stronger) | 1.12% |
| Loans ÷ deposits | 82.6% | 65.5% (stronger) |
| Uninsured deposits | 20.0% | 17.9% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.4% |
Scott State Bank has the higher TellerScore (86 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Pana leads on 3 and Scott State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.