Side-by-side · Q2 2026 data
Fnbt Bank vs Penair Credit Union
Metric by metric
| Measure | Fnbt Bank | Penair Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 69 |
| Capital cushion | 61 | 65 (stronger) |
| Loan quality | 100 (stronger) | 80 |
| Earnings | 80 (stronger) | 37 |
| Funding & liquidity | 64 | 89 (stronger) |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 75th | 54th |
| Total assets | $628.5M | $2.8B |
| Deposits / shares | $555.9M | $2.4B |
| Capital ratio | 11.08% | 11.48% (stronger) |
| Problem loans | 0.00% (stronger) | 0.60% |
| Net charge-offs | -0.08% (stronger) | 0.79% |
| Return on assets | 1.51% (stronger) | 0.43% |
| Loans ÷ deposits | 43.0% (stronger) | 71.7% |
| Uninsured deposits | 47.9% | 10.6% (stronger) |
| Offices | 9 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fnbt Bank has the higher TellerScore (79 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Fnbt Bank leads on 5 and Penair Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.