Side-by-side · Q2 2026 data
Fnbt Bank vs Okaloosa County Teachers Federal Credit Union
Credit union
Okaloosa County Teachers Federal Credit Union
Crestview, Florida · $100 million – $1 billion
Metric by metric
| Measure | Fnbt Bank | Okaloosa County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 57 |
| Capital cushion | 61 (stronger) | 45 |
| Loan quality | 100 (stronger) | 54 |
| Earnings | 80 (stronger) | 32 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 75th | 14th |
| Total assets | $628.5M | $135.3M |
| Deposits / shares | $555.9M | $121.2M |
| Capital ratio | 11.08% (stronger) | 9.46% |
| Problem loans | 0.00% (stronger) | 1.39% |
| Net charge-offs | -0.08% (stronger) | 0.77% |
| Return on assets | 1.51% (stronger) | 0.31% |
| Loans ÷ deposits | 43.0% (stronger) | 45.3% |
| Uninsured deposits | 47.9% | 0.7% (stronger) |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fnbt Bank has the higher TellerScore (79 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Fnbt Bank leads on 6 and Okaloosa County Teachers Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.