Side-by-side · Q2 2026 data
FNBC Bank vs Community First Banking Company
Metric by metric
| Measure | FNBC Bank | Community First Banking Company |
|---|---|---|
| TellerScore | 69 | 75 (stronger) |
| Capital cushion | 47 | 53 (stronger) |
| Loan quality | 74 | 100 (stronger) |
| Earnings | 84 (stronger) | 78 |
| Funding & liquidity | 75 (stronger) | 63 |
| Problem-loan coverage | 88 | 89 (stronger) |
| Peer percentile | 40th | 61st |
| Total assets | $843.3M | $307.3M |
| Deposits / shares | $704.1M | $262.2M |
| Capital ratio | 9.68% | 10.31% (stronger) |
| Problem loans | 0.79% | 0.00% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.11% |
| Return on assets | 1.60% (stronger) | 1.44% |
| Loans ÷ deposits | 85.6% (stronger) | 89.5% |
| Uninsured deposits | 12.1% (stronger) | 21.6% |
| Offices | 14 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.0% | — |
Community First Banking Company has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), FNBC Bank leads on 4 and Community First Banking Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.