Side-by-side · Q2 2026 data
First United Bank & Trust vs FNB Bank, Inc.
Metric by metric
| Measure | First United Bank & Trust | FNB Bank, Inc. |
|---|---|---|
| TellerScore | 75 (stronger) | 70 |
| Capital cushion | 66 (stronger) | 56 |
| Loan quality | 90 (stronger) | 85 |
| Earnings | 70 (stronger) | 60 |
| Funding & liquidity | 63 | 69 (stronger) |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 77th | 43rd |
| Total assets | $2.1B | $277.9M |
| Deposits / shares | $1.7B | $247.8M |
| Capital ratio | 11.56% (stronger) | 10.60% |
| Problem loans | 0.31% (stronger) | 0.45% |
| Net charge-offs | 0.04% (stronger) | 0.23% |
| Return on assets | 1.25% (stronger) | 0.99% |
| Loans ÷ deposits | 89.0% | 84.0% (stronger) |
| Uninsured deposits | 22.7% | 21.5% (stronger) |
| Offices | 22 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.6% |
First United Bank & Trust has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First United Bank & Trust leads on 5 and FNB Bank, Inc. on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.