Side-by-side · Q2 2026 data
Powell Valley National Bank vs The First Bank and Trust Company
Metric by metric
| Measure | Powell Valley National Bank | The First Bank and Trust Company |
|---|---|---|
| TellerScore | 78 (stronger) | 72 |
| Capital cushion | 57 (stronger) | 51 |
| Loan quality | 93 (stronger) | 91 |
| Earnings | 100 (stronger) | 93 |
| Funding & liquidity | 56 (stronger) | 37 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 72nd | 66th |
| Total assets | $516.5M | $4.3B |
| Deposits / shares | $460.0M | $3.8B |
| Capital ratio | 10.67% (stronger) | 10.07% |
| Problem loans | 0.21% (stronger) | 0.28% |
| Net charge-offs | -0.01% (stronger) | 0.22% |
| Return on assets | 2.20% (stronger) | 1.83% |
| Loans ÷ deposits | 87.6% (stronger) | 93.9% |
| Uninsured deposits | 30.4% (stronger) | 41.5% |
| Offices | 7 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.0% | — |
Powell Valley National Bank has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Powell Valley National Bank leads on 7 and The First Bank and Trust Company on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Abingdon, VA
- Kingsport, TN
- Wise, VA