Side-by-side · Q2 2026 data
First State Bank Shannon-Polo vs The First National Bank in Tremont
Metric by metric
| Measure | First State Bank Shannon-Polo | The First National Bank in Tremont |
|---|---|---|
| TellerScore | 51 | 67 (stronger) |
| Capital cushion | 53 (stronger) | 49 |
| Loan quality | 12 | 78 (stronger) |
| Earnings | 58 (stronger) | 57 |
| Funding & liquidity | 93 (stronger) | 78 |
| Problem-loan coverage | 67 | 92 (stronger) |
| Peer percentile | 8th | 34th |
| Total assets | $190.5M | $187.6M |
| Deposits / shares | $167.1M | $166.1M |
| Capital ratio | 10.31% (stronger) | 9.89% |
| Problem loans | 2.64% | 0.66% (stronger) |
| Net charge-offs | 0.53% | 0.05% (stronger) |
| Return on assets | 0.94% (stronger) | 0.92% |
| Loans ÷ deposits | 64.6% (stronger) | 74.6% |
| Uninsured deposits | 17.7% (stronger) | 22.1% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.7% |
The First National Bank in Tremont has the higher TellerScore (67 vs 51). On the 7 directional measures above (where higher or lower is clearly better), First State Bank Shannon-Polo leads on 4 and The First National Bank in Tremont on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.