Side-by-side · Q2 2026 data
Local Bank vs FNB Community Bank
Metric by metric
| Measure | Local Bank | FNB Community Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 52 |
| Capital cushion | 64 (stronger) | 55 |
| Loan quality | 83 (stronger) | 22 |
| Earnings | 34 | 65 (stronger) |
| Funding & liquidity | 69 | 73 (stronger) |
| Problem-loan coverage | 93 (stronger) | 61 |
| Peer percentile | 31st | 8th |
| Total assets | $463.1M | $480.2M |
| Deposits / shares | $382.6M | $430.3M |
| Capital ratio | 11.35% (stronger) | 10.54% |
| Problem loans | 0.52% (stronger) | 2.35% |
| Net charge-offs | 0.05% (stronger) | 0.36% |
| Return on assets | 0.34% | 1.14% (stronger) |
| Loans ÷ deposits | 91.0% | 69.4% (stronger) |
| Uninsured deposits | 14.4% (stronger) | 30.7% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.3% |
Local Bank has the higher TellerScore (66 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Local Bank leads on 5 and FNB Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.