Side-by-side · Q2 2026 data
Fnbt Bank vs Bank of Pensacola
Metric by metric
| Measure | Fnbt Bank | Bank of Pensacola |
|---|---|---|
| TellerScore | 79 (stronger) | 73 |
| Capital cushion | 61 (stronger) | 48 |
| Loan quality | 100 | 100 |
| Earnings | 80 (stronger) | 61 |
| Funding & liquidity | 64 | 79 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 75th | 53rd |
| Total assets | $628.5M | $147.0M |
| Deposits / shares | $555.9M | $132.6M |
| Capital ratio | 11.08% (stronger) | 9.84% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.08% (stronger) | 0.00% |
| Return on assets | 1.51% (stronger) | 1.02% |
| Loans ÷ deposits | 43.0% (stronger) | 60.6% |
| Uninsured deposits | 47.9% | 33.7% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fnbt Bank has the higher TellerScore (79 vs 73). On the 6 directional measures above (where higher or lower is clearly better), Fnbt Bank leads on 5 and Bank of Pensacola on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.