Side-by-side · Q2 2026 data
First National Community Bank vs Waumandee State Bank
Metric by metric
| Measure | First National Community Bank | Waumandee State Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 67 |
| Capital cushion | 44 | 44 |
| Loan quality | 95 (stronger) | 80 |
| Earnings | 74 (stronger) | 66 |
| Funding & liquidity | 64 | 77 (stronger) |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 47th | 34th |
| Total assets | $345.3M | $345.5M |
| Deposits / shares | $311.8M | $301.2M |
| Capital ratio | 9.38% | 9.39% (stronger) |
| Problem loans | 0.16% (stronger) | 0.60% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.35% (stronger) | 1.16% |
| Loans ÷ deposits | 75.5% (stronger) | 83.2% |
| Uninsured deposits | 33.8% | 9.4% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.2% | — |
First National Community Bank has the higher TellerScore (71 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First National Community Bank leads on 4 and Waumandee State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.