Side-by-side · Q2 2026 data
FNBC Bank vs Alton Bank
Metric by metric
| Measure | FNBC Bank | Alton Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 63 |
| Capital cushion | 47 (stronger) | 30 |
| Loan quality | 74 | 83 (stronger) |
| Earnings | 84 (stronger) | 60 |
| Funding & liquidity | 75 | 86 (stronger) |
| Problem-loan coverage | 88 | 88 |
| Peer percentile | 40th | 24th |
| Total assets | $843.3M | $145.0M |
| Deposits / shares | $704.1M | $127.9M |
| Capital ratio | 9.68% (stronger) | 7.96% |
| Problem loans | 0.79% | 0.52% (stronger) |
| Net charge-offs | 0.06% | 0.02% (stronger) |
| Return on assets | 1.60% (stronger) | 0.99% |
| Loans ÷ deposits | 85.6% | 63.6% (stronger) |
| Uninsured deposits | 12.1% (stronger) | 24.9% |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.0% | — |
FNBC Bank has the higher TellerScore (69 vs 63). On the 7 directional measures above (where higher or lower is clearly better), FNBC Bank leads on 4 and Alton Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.