Side-by-side · Q2 2026 data
FSNB, National Association vs Loyal Trust Bank
Metric by metric
| Measure | FSNB, National Association | Loyal Trust Bank |
|---|---|---|
| TellerScore | 96 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 88 | 92 (stronger) |
| Earnings | 100 (stronger) | 30 |
| Funding & liquidity | 100 (stronger) | 56 |
| Problem-loan coverage | 92 (stronger) | 87 |
| Peer percentile | 99th | 26th |
| Total assets | $478.3M | $235.3M |
| Deposits / shares | $369.7M | $175.4M |
| Capital ratio | 17.51% (stronger) | 10.77% |
| Problem loans | 0.36% | 0.25% (stronger) |
| Net charge-offs | 1.02% | 0.00% (stronger) |
| Return on assets | 3.46% (stronger) | 0.26% |
| Loans ÷ deposits | 39.2% (stronger) | 94.8% |
| Uninsured deposits | 8.2% (stronger) | 23.5% |
| Offices | 66 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
FSNB, National Association has the higher TellerScore (96 vs 64). On the 7 directional measures above (where higher or lower is clearly better), FSNB, National Association leads on 5 and Loyal Trust Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.