Side-by-side · Q2 2026 data
Phenix-Girard Bank vs First National Bank
Metric by metric
| Measure | Phenix-Girard Bank | First National Bank |
|---|---|---|
| TellerScore | 71 | 97 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 83 | 92 (stronger) |
| Earnings | 62 | 100 (stronger) |
| Funding & liquidity | 58 | 93 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 47th | 100th |
| Total assets | $342.3M | $372.7M |
| Deposits / shares | $323.6M | $305.5M |
| Capital ratio | 11.76% | 18.99% (stronger) |
| Problem loans | 0.51% | 0.25% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.30% |
| Return on assets | 1.04% | 2.51% (stronger) |
| Loans ÷ deposits | 25.1% (stronger) | 47.4% |
| Uninsured deposits | 53.3% | 21.9% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
First National Bank has the higher TellerScore (97 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Phenix-Girard Bank leads on 2 and First National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.