Side-by-side · Q2 2026 data
Plains Commerce Bank vs First National Bank
Metric by metric
| Measure | Plains Commerce Bank | First National Bank |
|---|---|---|
| TellerScore | 59 | 84 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 59 | 77 (stronger) |
| Earnings | 74 | 100 (stronger) |
| Funding & liquidity | 45 (stronger) | 31 |
| Problem-loan coverage | 81 | 96 (stronger) |
| Peer percentile | 19th | 95th |
| Total assets | $1.3B | $2.0B |
| Deposits / shares | $1.1B | $1.5B |
| Capital ratio | 10.03% | 21.88% (stronger) |
| Problem loans | 1.22% | 0.69% (stronger) |
| Net charge-offs | 0.02% (stronger) | 3.49% |
| Return on assets | 1.34% | 2.50% (stronger) |
| Loans ÷ deposits | 99.6% | 98.9% (stronger) |
| Uninsured deposits | 29.2% (stronger) | 42.4% |
| Offices | 8 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | 8.4% |
First National Bank has the higher TellerScore (84 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Plains Commerce Bank leads on 2 and First National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.