Side-by-side · Q2 2026 data
FMS Bank vs Native American Bank, National Association
Metric by metric
| Measure | FMS Bank | Native American Bank, National Association |
|---|---|---|
| TellerScore | 48 | 77 (stronger) |
| Capital cushion | 48 | 94 (stronger) |
| Loan quality | 43 | 69 (stronger) |
| Earnings | 28 | 67 (stronger) |
| Funding & liquidity | 65 (stronger) | 58 |
| Problem-loan coverage | 74 | 93 (stronger) |
| Peer percentile | 6th | 68th |
| Total assets | $324.8M | $362.0M |
| Deposits / shares | $291.8M | $302.6M |
| Capital ratio | 9.85% | 14.39% (stronger) |
| Problem loans | 1.71% | 0.94% (stronger) |
| Net charge-offs | 1.57% | 0.00% (stronger) |
| Return on assets | 0.20% | 1.18% (stronger) |
| Loans ÷ deposits | 88.7% | 68.7% (stronger) |
| Uninsured deposits | 21.5% (stronger) | 45.7% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | — |
Native American Bank, National Association has the higher TellerScore (77 vs 48). On the 7 directional measures above (where higher or lower is clearly better), FMS Bank leads on 1 and Native American Bank, National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.