Side-by-side · Q2 2026 data
First Summit Bank vs The First National Bank of Fletcher
Metric by metric
| Measure | First Summit Bank | The First National Bank of Fletcher |
|---|---|---|
| TellerScore | 55 | 65 (stronger) |
| Capital cushion | 87 (stronger) | 49 |
| Loan quality | 0 | 64 (stronger) |
| Earnings | 47 | 54 (stronger) |
| Funding & liquidity | 99 (stronger) | 92 |
| Problem-loan coverage | 49 | 96 (stronger) |
| Peer percentile | 14th | 26th |
| Total assets | $33.8M | $23.4M |
| Deposits / shares | $29.0M | $21.2M |
| Capital ratio | 13.68% (stronger) | 9.93% |
| Problem loans | 7.11% | 1.07% (stronger) |
| Net charge-offs | 0.00% | -0.75% (stronger) |
| Return on assets | 0.68% | 0.86% (stronger) |
| Loans ÷ deposits | 61.3% | 18.6% (stronger) |
| Uninsured deposits | 11.8% (stronger) | 22.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Fletcher has the higher TellerScore (65 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First Summit Bank leads on 2 and The First National Bank of Fletcher on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.