Side-by-side · Q2 2026 data
FNB Bank vs First State Bank
Metric by metric
| Measure | FNB Bank | First State Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 82 |
| Capital cushion | 95 (stronger) | 69 |
| Loan quality | 99 | 99 |
| Earnings | 100 (stronger) | 66 |
| Funding & liquidity | 49 | 92 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 96th | 82nd |
| Total assets | $274.6M | $129.7M |
| Deposits / shares | $211.3M | $114.0M |
| Capital ratio | 14.48% (stronger) | 11.95% |
| Problem loans | 0.02% (stronger) | 0.03% |
| Net charge-offs | -0.01% | -0.01% (stronger) |
| Return on assets | 2.03% (stronger) | 1.15% |
| Loans ÷ deposits | 105.7% | 47.5% (stronger) |
| Uninsured deposits | 20.2% (stronger) | 22.6% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
FNB Bank has the higher TellerScore (91 vs 82). On the 7 directional measures above (where higher or lower is clearly better), FNB Bank leads on 5 and First State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.