Side-by-side · Q2 2026 data
Kinmundy Bank vs The FNB Community Bank
Metric by metric
| Measure | Kinmundy Bank | The FNB Community Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 76 |
| Capital cushion | 80 (stronger) | 76 |
| Loan quality | 78 (stronger) | 74 |
| Earnings | 100 (stronger) | 72 |
| Funding & liquidity | 79 (stronger) | 75 |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 78th | 64th |
| Total assets | $80.1M | $498.9M |
| Deposits / shares | $69.0M | $423.1M |
| Capital ratio | 13.04% (stronger) | 12.57% |
| Problem loans | 0.67% (stronger) | 0.78% |
| Net charge-offs | 0.06% | 0.02% (stronger) |
| Return on assets | 2.14% (stronger) | 1.29% |
| Loans ÷ deposits | 73.1% | 72.3% (stronger) |
| Uninsured deposits | 22.5% (stronger) | 26.1% |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.7% |
Kinmundy Bank has the higher TellerScore (85 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Kinmundy Bank leads on 5 and The FNB Community Bank on 2. 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.