Side-by-side · Q2 2026 data
Local Bank vs FSNB, National Association
Metric by metric
| Measure | Local Bank | FSNB, National Association |
|---|---|---|
| TellerScore | 66 | 96 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 83 | 88 (stronger) |
| Earnings | 34 | 100 (stronger) |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 31st | 99th |
| Total assets | $463.1M | $478.3M |
| Deposits / shares | $382.6M | $369.7M |
| Capital ratio | 11.35% | 17.51% (stronger) |
| Problem loans | 0.52% | 0.36% (stronger) |
| Net charge-offs | 0.05% (stronger) | 1.02% |
| Return on assets | 0.34% | 3.46% (stronger) |
| Loans ÷ deposits | 91.0% | 39.2% (stronger) |
| Uninsured deposits | 14.4% | 8.2% (stronger) |
| Offices | 6 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
FSNB, National Association has the higher TellerScore (96 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Local Bank leads on 1 and FSNB, National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.