Side-by-side · Q2 2026 data
National Bank & Trust vs The First National Bank of Sterling City
Metric by metric
| Measure | National Bank & Trust | The First National Bank of Sterling City |
|---|---|---|
| TellerScore | 72 | 82 (stronger) |
| Capital cushion | 58 | 66 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 37 | 87 (stronger) |
| Funding & liquidity | 90 (stronger) | 65 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 50th | 82nd |
| Total assets | $242.0M | $240.1M |
| Deposits / shares | $203.5M | $218.4M |
| Capital ratio | 10.83% | 11.62% (stronger) |
| Problem loans | 0.17% | 0.00% (stronger) |
| Net charge-offs | 0.01% | -0.01% (stronger) |
| Return on assets | 0.43% | 1.67% (stronger) |
| Loans ÷ deposits | 65.2% | 20.6% (stronger) |
| Uninsured deposits | 19.8% (stronger) | 46.5% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Sterling City has the higher TellerScore (82 vs 72). On the 7 directional measures above (where higher or lower is clearly better), National Bank & Trust leads on 1 and The First National Bank of Sterling City on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.