Side-by-side · Q2 2026 data
First National Bank USA vs Currency Bank
Metric by metric
| Measure | First National Bank USA | Currency Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 86 |
| Capital cushion | 91 (stronger) | 84 |
| Loan quality | 99 (stronger) | 95 |
| Earnings | 86 | 98 (stronger) |
| Funding & liquidity | 62 (stronger) | 50 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 94th | 90th |
| Total assets | $249.1M | $248.5M |
| Deposits / shares | $213.1M | $203.2M |
| Capital ratio | 14.06% (stronger) | 13.38% |
| Problem loans | 0.03% (stronger) | 0.14% |
| Net charge-offs | 0.02% | -0.05% (stronger) |
| Return on assets | 1.65% | 1.95% (stronger) |
| Loans ÷ deposits | 52.6% (stronger) | 93.0% |
| Uninsured deposits | 49.9% | 30.3% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
First National Bank USA has the higher TellerScore (89 vs 86). On the 7 directional measures above (where higher or lower is clearly better), First National Bank USA leads on 4 and Currency Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.