Side-by-side · Q2 2026 data
FNB Bank, Inc. vs Bank of Cadiz and Trust Company
Metric by metric
| Measure | FNB Bank, Inc. | Bank of Cadiz and Trust Company |
|---|---|---|
| TellerScore | 65 | 74 (stronger) |
| Capital cushion | 35 | 41 (stronger) |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 69 (stronger) | 60 |
| Funding & liquidity | 86 | 98 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 29th | 57th |
| Total assets | $770.0M | $142.9M |
| Deposits / shares | $706.4M | $137.9M |
| Capital ratio | 8.48% | 9.07% (stronger) |
| Problem loans | 0.68% | 0.00% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.38% |
| Return on assets | 1.23% (stronger) | 0.99% |
| Loans ÷ deposits | 72.0% | 61.9% (stronger) |
| Uninsured deposits | 17.2% | 9.3% (stronger) |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Cadiz and Trust Company has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), FNB Bank, Inc. leads on 2 and Bank of Cadiz and Trust Company on 5. 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.
Where both have branches
- Cadiz, KY
- Murray, KY