Side-by-side · Q2 2026 data
Fnbt Bank vs Florida Capital Bank, National Association
Bank
Florida Capital Bank, National Association
Jacksonville, Florida · $100 million – $1 billion
Metric by metric
| Measure | Fnbt Bank | Florida Capital Bank, National Association |
|---|---|---|
| TellerScore | 79 (stronger) | 64 |
| Capital cushion | 61 (stronger) | 48 |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 80 (stronger) | 59 |
| Funding & liquidity | 64 (stronger) | 27 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 75th | 26th |
| Total assets | $628.5M | $713.1M |
| Deposits / shares | $555.9M | $639.8M |
| Capital ratio | 11.08% (stronger) | 9.77% |
| Problem loans | 0.00% (stronger) | 0.16% |
| Net charge-offs | -0.08% (stronger) | -0.00% |
| Return on assets | 1.51% (stronger) | 0.98% |
| Loans ÷ deposits | 43.0% (stronger) | 83.5% |
| Uninsured deposits | 47.9% (stronger) | 67.2% |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.6% |
Fnbt Bank has the higher TellerScore (79 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Fnbt Bank leads on 7 and Florida Capital Bank, National Association on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.