Side-by-side · Q2 2026 data
FNB Bank vs Patriots Bank
Metric by metric
| Measure | FNB Bank | Patriots Bank |
|---|---|---|
| TellerScore | 45 | 77 (stronger) |
| Capital cushion | 52 (stronger) | 42 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 71 | 92 (stronger) |
| Funding & liquidity | 73 | 73 |
| Problem-loan coverage | 46 | 100 (stronger) |
| Peer percentile | 4th | 68th |
| Total assets | $270.3M | $268.8M |
| Deposits / shares | $235.0M | $233.4M |
| Capital ratio | 10.21% (stronger) | 9.20% |
| Problem loans | 4.03% | 0.00% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.28% | 1.81% (stronger) |
| Loans ÷ deposits | 75.5% (stronger) | 86.8% |
| Uninsured deposits | 25.5% | 12.9% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Patriots Bank has the higher TellerScore (77 vs 45). On the 7 directional measures above (where higher or lower is clearly better), FNB Bank leads on 2 and Patriots Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.