Side-by-side · Q2 2026 data
FNNB Bank vs Sibley State Bank
Metric by metric
| Measure | FNNB Bank | Sibley State Bank |
|---|---|---|
| TellerScore | 70 | 77 (stronger) |
| Capital cushion | 47 | 60 (stronger) |
| Loan quality | 82 | 85 (stronger) |
| Earnings | 76 | 76 |
| Funding & liquidity | 73 | 88 (stronger) |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 43rd | 68th |
| Total assets | $109.5M | $104.4M |
| Deposits / shares | $89.3M | $91.5M |
| Capital ratio | 9.74% | 11.03% (stronger) |
| Problem loans | 0.55% | 0.46% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 1.41% | 1.41% (stronger) |
| Loans ÷ deposits | 87.1% | 72.1% (stronger) |
| Uninsured deposits | 15.3% | 14.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sibley State Bank has the higher TellerScore (77 vs 70). On the 7 directional measures above (where higher or lower is clearly better), FNNB Bank leads on 1 and Sibley State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.