Side-by-side · Q2 2026 data
First Northern Bank and Trust Company vs Unity Bank
Metric by metric
| Measure | First Northern Bank and Trust Company | Unity Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 61 (stronger) | 59 |
| Earnings | 77 | 96 (stronger) |
| Funding & liquidity | 74 (stronger) | 23 |
| Problem-loan coverage | 89 (stronger) | 83 |
| Peer percentile | 80th | 53rd |
| Total assets | $921.5M | $3.2B |
| Deposits / shares | $761.9M | $2.5B |
| Capital ratio | 15.29% (stronger) | 12.88% |
| Problem loans | 1.16% (stronger) | 1.23% |
| Net charge-offs | -0.14% (stronger) | -0.01% |
| Return on assets | 1.43% | 1.91% (stronger) |
| Loans ÷ deposits | 74.0% (stronger) | 107.5% |
| Uninsured deposits | 26.3% (stronger) | 42.1% |
| Offices | 11 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.9% |
First Northern Bank and Trust Company has the higher TellerScore (81 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First Northern Bank and Trust Company leads on 6 and Unity Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.