Side-by-side · Q2 2026 data
FNB Bank, Inc. vs Franklin Bank & Trust Company
Metric by metric
| Measure | FNB Bank, Inc. | Franklin Bank & Trust Company |
|---|---|---|
| TellerScore | 65 | 75 (stronger) |
| Capital cushion | 35 | 85 (stronger) |
| Loan quality | 77 (stronger) | 64 |
| Earnings | 69 | 83 (stronger) |
| Funding & liquidity | 86 (stronger) | 53 |
| Problem-loan coverage | 89 (stronger) | 87 |
| Peer percentile | 29th | 61st |
| Total assets | $770.0M | $803.6M |
| Deposits / shares | $706.4M | $650.7M |
| Capital ratio | 8.48% | 13.48% (stronger) |
| Problem loans | 0.68% (stronger) | 1.08% |
| Net charge-offs | 0.02% (stronger) | 0.15% |
| Return on assets | 1.23% | 1.57% (stronger) |
| Loans ÷ deposits | 72.0% (stronger) | 105.0% |
| Uninsured deposits | 17.2% | 16.8% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.3% |
Franklin Bank & Trust Company has the higher TellerScore (75 vs 65). On the 7 directional measures above (where higher or lower is clearly better), FNB Bank, Inc. leads on 3 and Franklin Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.