Side-by-side · Q2 2026 data
FNB Bank, Inc. vs Williamstown Bank, Inc.
Metric by metric
| Measure | FNB Bank, Inc. | Williamstown Bank, Inc. |
|---|---|---|
| TellerScore | 70 (stronger) | 66 |
| Capital cushion | 56 (stronger) | 51 |
| Loan quality | 85 | 88 (stronger) |
| Earnings | 60 (stronger) | 44 |
| Funding & liquidity | 69 | 72 (stronger) |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 43rd | 31st |
| Total assets | $277.9M | $236.7M |
| Deposits / shares | $247.8M | $212.3M |
| Capital ratio | 10.60% (stronger) | 10.14% |
| Problem loans | 0.45% | 0.37% (stronger) |
| Net charge-offs | 0.23% | 0.07% (stronger) |
| Return on assets | 0.99% (stronger) | 0.60% |
| Loans ÷ deposits | 84.0% (stronger) | 88.1% |
| Uninsured deposits | 21.5% | 8.2% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | 14.1% |
FNB Bank, Inc. has the higher TellerScore (70 vs 66). On the 7 directional measures above (where higher or lower is clearly better), FNB Bank, Inc. leads on 4 and Williamstown Bank, Inc. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.