Side-by-side · Q2 2026 data
FNBC Bank vs Stone Bank
Metric by metric
| Measure | FNBC Bank | Stone Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 60 |
| Capital cushion | 47 (stronger) | 34 |
| Loan quality | 74 (stronger) | 65 |
| Earnings | 84 | 87 (stronger) |
| Funding & liquidity | 75 (stronger) | 63 |
| Problem-loan coverage | 88 (stronger) | 66 |
| Peer percentile | 40th | 19th |
| Total assets | $843.3M | $950.7M |
| Deposits / shares | $704.1M | $757.7M |
| Capital ratio | 9.68% (stronger) | 8.37% |
| Problem loans | 0.79% (stronger) | 1.04% |
| Net charge-offs | 0.06% (stronger) | 0.27% |
| Return on assets | 1.60% | 1.68% (stronger) |
| Loans ÷ deposits | 85.6% (stronger) | 97.1% |
| Uninsured deposits | 12.1% | 9.4% (stronger) |
| Offices | 14 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.0% | 2.1% |
FNBC Bank has the higher TellerScore (69 vs 60). On the 7 directional measures above (where higher or lower is clearly better), FNBC Bank leads on 5 and Stone Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.