Side-by-side · Q2 2026 data
First National Bank USA vs Crescent Bank
Metric by metric
| Measure | First National Bank USA | Crescent Bank |
|---|---|---|
| TellerScore | 89 | 89 |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 99 (stronger) | 57 |
| Earnings | 86 | 100 (stronger) |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 94th | 99th |
| Total assets | $249.1M | $1.1B |
| Deposits / shares | $213.1M | $880.1M |
| Capital ratio | 14.06% | 15.01% (stronger) |
| Problem loans | 0.03% (stronger) | 1.28% |
| Net charge-offs | 0.02% | -6.72% (stronger) |
| Return on assets | 1.65% | 8.34% (stronger) |
| Loans ÷ deposits | 52.6% | 43.7% (stronger) |
| Uninsured deposits | 49.9% | 3.2% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First National Bank USA leads on 1 and Crescent Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.