Side-by-side · Q2 2026 data
FNB Bank, Inc. vs Highlands Bank
Metric by metric
| Measure | FNB Bank, Inc. | Highlands Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 69 |
| Capital cushion | 56 | 60 (stronger) |
| Loan quality | 85 (stronger) | 70 |
| Earnings | 60 | 71 (stronger) |
| Funding & liquidity | 69 | 71 (stronger) |
| Problem-loan coverage | 93 (stronger) | 87 |
| Peer percentile | 43rd | 40th |
| Total assets | $277.9M | $407.1M |
| Deposits / shares | $247.8M | $356.8M |
| Capital ratio | 10.60% | 11.00% (stronger) |
| Problem loans | 0.45% (stronger) | 0.91% |
| Net charge-offs | 0.23% | -0.00% (stronger) |
| Return on assets | 0.99% | 1.27% (stronger) |
| Loans ÷ deposits | 84.0% (stronger) | 85.8% |
| Uninsured deposits | 21.5% | 18.3% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | 10.7% |
FNB Bank, Inc. has the higher TellerScore (70 vs 69). On the 7 directional measures above (where higher or lower is clearly better), FNB Bank, Inc. leads on 3 and Highlands Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.