Side-by-side · Q2 2026 data
GNBank, National Association vs The First National Bank of Spearville
Metric by metric
| Measure | GNBank, National Association | The First National Bank of Spearville |
|---|---|---|
| TellerScore | 80 (stronger) | 56 |
| Capital cushion | 66 | 68 (stronger) |
| Loan quality | 96 (stronger) | 0 |
| Earnings | 81 (stronger) | 76 |
| Funding & liquidity | 67 | 92 (stronger) |
| Problem-loan coverage | 98 (stronger) | 70 |
| Peer percentile | 90th | 15th |
| Total assets | $1.1B | $62.1M |
| Deposits / shares | $851.1M | $53.6M |
| Capital ratio | 11.56% | 11.80% (stronger) |
| Problem loans | 0.13% (stronger) | 4.06% |
| Net charge-offs | 0.05% (stronger) | 0.07% |
| Return on assets | 1.52% (stronger) | 1.39% |
| Loans ÷ deposits | 84.7% | 58.8% (stronger) |
| Uninsured deposits | 22.6% | 22.1% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | — |
GNBank, National Association has the higher TellerScore (80 vs 56). On the 7 directional measures above (where higher or lower is clearly better), GNBank, National Association leads on 4 and The First National Bank of Spearville on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.