Side-by-side · Q2 2026 data
FNBC Bank & Trust vs Washington Savings Bank
Metric by metric
| Measure | FNBC Bank & Trust | Washington Savings Bank |
|---|---|---|
| TellerScore | 77 | 77 |
| Capital cushion | 50 | 71 (stronger) |
| Loan quality | 99 (stronger) | 90 |
| Earnings | 67 (stronger) | 51 |
| Funding & liquidity | 89 (stronger) | 87 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 68th | 68th |
| Total assets | $581.6M | $585.3M |
| Deposits / shares | $525.1M | $504.4M |
| Capital ratio | 10.02% | 12.07% (stronger) |
| Problem loans | 0.04% (stronger) | 0.29% |
| Net charge-offs | -0.01% (stronger) | 0.07% |
| Return on assets | 1.18% (stronger) | 0.77% |
| Loans ÷ deposits | 61.8% (stronger) | 69.9% |
| Uninsured deposits | 23.3% | 17.6% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), FNBC Bank & Trust leads on 4 and Washington Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.