Side-by-side · Q2 2026 data
FNB Bank, Inc. vs Wilson & Muir Bank & Trust Company
Metric by metric
| Measure | FNB Bank, Inc. | Wilson & Muir Bank & Trust Company |
|---|---|---|
| TellerScore | 65 | 76 (stronger) |
| Capital cushion | 35 | 44 (stronger) |
| Loan quality | 77 | 91 (stronger) |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 86 (stronger) | 69 |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 29th | 64th |
| Total assets | $770.0M | $818.4M |
| Deposits / shares | $706.4M | $727.6M |
| Capital ratio | 8.48% | 9.43% (stronger) |
| Problem loans | 0.68% | 0.27% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.04% |
| Return on assets | 1.23% | 2.61% (stronger) |
| Loans ÷ deposits | 72.0% (stronger) | 74.8% |
| Uninsured deposits | 17.2% (stronger) | 29.8% |
| Offices | 10 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
Wilson & Muir Bank & Trust Company has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), FNB Bank, Inc. leads on 3 and Wilson & Muir Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.