Side-by-side · Q2 2026 data
First Northern Bank and Trust Company vs Atlantic Community Bankers Bank
Metric by metric
| Measure | First Northern Bank and Trust Company | Atlantic Community Bankers Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 76 |
| Capital cushion | 100 | 100 |
| Loan quality | 61 | 82 (stronger) |
| Earnings | 77 (stronger) | 73 |
| Funding & liquidity | 74 (stronger) | 8 |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 80th | 64th |
| Total assets | $921.5M | $942.0M |
| Deposits / shares | $761.9M | $566.2M |
| Capital ratio | 15.29% | 15.76% (stronger) |
| Problem loans | 1.16% | 0.53% (stronger) |
| Net charge-offs | -0.14% (stronger) | -0.02% |
| Return on assets | 1.43% (stronger) | 1.32% |
| Loans ÷ deposits | 74.0% (stronger) | 102.4% |
| Uninsured deposits | 26.3% (stronger) | 66.0% |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Northern Bank and Trust Company has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First Northern Bank and Trust Company leads on 5 and Atlantic Community Bankers Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.