Side-by-side · Q2 2026 data
Focus Bank vs First National Bank
Metric by metric
| Measure | Focus Bank | First National Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 71 |
| Capital cushion | 76 (stronger) | 61 |
| Loan quality | 72 | 94 (stronger) |
| Earnings | 87 (stronger) | 68 |
| Funding & liquidity | 52 (stronger) | 37 |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 61st | 63rd |
| Total assets | $854.1M | $2.6B |
| Deposits / shares | $679.8M | $2.1B |
| Capital ratio | 12.61% (stronger) | 11.12% |
| Problem loans | 0.85% | 0.19% (stronger) |
| Net charge-offs | 0.05% | -0.01% (stronger) |
| Return on assets | 1.67% (stronger) | 1.20% |
| Loans ÷ deposits | 103.6% | 97.8% (stronger) |
| Uninsured deposits | 19.7% (stronger) | 37.9% |
| Offices | 9 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 3.9% |
Focus Bank has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Focus Bank leads on 4 and First National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.