Side-by-side · Q2 2026 data
FNNB Bank vs White State Bank
Metric by metric
| Measure | FNNB Bank | White State Bank |
|---|---|---|
| TellerScore | 70 | 73 (stronger) |
| Capital cushion | 47 | 62 (stronger) |
| Loan quality | 82 (stronger) | 56 |
| Earnings | 76 | 85 (stronger) |
| Funding & liquidity | 73 | 92 (stronger) |
| Problem-loan coverage | 91 | 92 (stronger) |
| Peer percentile | 43rd | 53rd |
| Total assets | $109.5M | $109.0M |
| Deposits / shares | $89.3M | $96.4M |
| Capital ratio | 9.74% | 11.16% (stronger) |
| Problem loans | 0.55% (stronger) | 1.31% |
| Net charge-offs | -0.01% | -0.02% (stronger) |
| Return on assets | 1.41% | 1.62% (stronger) |
| Loans ÷ deposits | 87.1% | 38.8% (stronger) |
| Uninsured deposits | 15.3% (stronger) | 22.2% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
White State Bank has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), FNNB Bank leads on 2 and White State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.