Side-by-side · Q2 2026 data
Guthrie County State Bank vs FNB Bank
Metric by metric
| Measure | Guthrie County State Bank | FNB Bank |
|---|---|---|
| TellerScore | 77 | 91 (stronger) |
| Capital cushion | 73 | 95 (stronger) |
| Loan quality | 95 | 99 (stronger) |
| Earnings | 61 | 100 (stronger) |
| Funding & liquidity | 63 (stronger) | 49 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 68th | 96th |
| Total assets | $279.2M | $274.6M |
| Deposits / shares | $209.3M | $211.3M |
| Capital ratio | 12.33% | 14.48% (stronger) |
| Problem loans | 0.16% | 0.02% (stronger) |
| Net charge-offs | 0.01% | -0.01% (stronger) |
| Return on assets | 1.02% | 2.03% (stronger) |
| Loans ÷ deposits | 75.1% (stronger) | 105.7% |
| Uninsured deposits | 35.4% | 20.2% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | 12.5% |
FNB Bank has the higher TellerScore (91 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Guthrie County State Bank leads on 1 and FNB Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.