Side-by-side · Q2 2026 data
First National Bank of Pulaski vs North Alabama Bank
Metric by metric
| Measure | First National Bank of Pulaski | North Alabama Bank |
|---|---|---|
| TellerScore | 77 | 80 (stronger) |
| Capital cushion | 63 | 67 (stronger) |
| Loan quality | 92 | 95 (stronger) |
| Earnings | 76 | 81 (stronger) |
| Funding & liquidity | 67 | 70 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 83rd | 77th |
| Total assets | $1.5B | $178.6M |
| Deposits / shares | $1.3B | $156.0M |
| Capital ratio | 11.32% | 11.73% (stronger) |
| Problem loans | 0.24% | 0.15% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 1.40% | 1.53% (stronger) |
| Loans ÷ deposits | 76.3% (stronger) | 88.4% |
| Uninsured deposits | 29.7% | 16.1% (stronger) |
| Offices | 13 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | 2.6% |
North Alabama Bank has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Pulaski leads on 2 and North Alabama 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.