Side-by-side · Q2 2026 data
Local Bank vs The Bank, National Association
Metric by metric
| Measure | Local Bank | The Bank, National Association |
|---|---|---|
| TellerScore | 66 | 68 (stronger) |
| Capital cushion | 64 (stronger) | 59 |
| Loan quality | 83 (stronger) | 57 |
| Earnings | 34 | 85 (stronger) |
| Funding & liquidity | 69 | 73 (stronger) |
| Problem-loan coverage | 93 (stronger) | 82 |
| Peer percentile | 31st | 37th |
| Total assets | $463.1M | $488.1M |
| Deposits / shares | $382.6M | $442.8M |
| Capital ratio | 11.35% (stronger) | 10.85% |
| Problem loans | 0.52% (stronger) | 1.30% |
| Net charge-offs | 0.05% | 0.01% (stronger) |
| Return on assets | 0.34% | 1.63% (stronger) |
| Loans ÷ deposits | 91.0% | 73.8% (stronger) |
| Uninsured deposits | 14.4% (stronger) | 26.8% |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Bank, National Association has the higher TellerScore (68 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Local Bank leads on 3 and The Bank, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.