Side-by-side · Q2 2026 data
Points West Community Bank vs First National Bank
Metric by metric
| Measure | Points West Community Bank | First National Bank |
|---|---|---|
| TellerScore | 75 | 84 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 98 (stronger) | 77 |
| Earnings | 78 | 100 (stronger) |
| Funding & liquidity | 84 (stronger) | 31 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 61st | 95th |
| Total assets | $877.6M | $2.0B |
| Deposits / shares | $768.0M | $1.5B |
| Capital ratio | 9.22% | 21.88% (stronger) |
| Problem loans | 0.06% (stronger) | 0.69% |
| Net charge-offs | 0.00% (stronger) | 3.49% |
| Return on assets | 1.45% | 2.50% (stronger) |
| Loans ÷ deposits | 59.8% (stronger) | 98.9% |
| Uninsured deposits | 29.3% (stronger) | 42.4% |
| Offices | 23 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.4% |
First National Bank has the higher TellerScore (84 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Points West Community Bank leads on 4 and First National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.