Side-by-side · Q2 2026 data
First Option Bank vs Community National Bank
Metric by metric
| Measure | First Option Bank | Community National Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 67 |
| Capital cushion | 32 | 47 (stronger) |
| Loan quality | 99 (stronger) | 51 |
| Earnings | 77 | 86 (stronger) |
| Funding & liquidity | 60 | 98 (stronger) |
| Problem-loan coverage | 95 (stronger) | 82 |
| Peer percentile | 37th | 34th |
| Total assets | $817.6M | $853.1M |
| Deposits / shares | $722.1M | $772.6M |
| Capital ratio | 8.18% | 9.66% (stronger) |
| Problem loans | 0.02% (stronger) | 1.47% |
| Net charge-offs | 0.53% | 0.01% (stronger) |
| Return on assets | 1.44% | 1.65% (stronger) |
| Loans ÷ deposits | 66.8% | 49.1% (stronger) |
| Uninsured deposits | 44.8% | 17.3% (stronger) |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | 1.6% |
First Option Bank has the higher TellerScore (68 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Option Bank leads on 2 and Community National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.