Side-by-side · Q2 2026 data
Security State Bank vs The First National Bank & Trust
Metric by metric
| Measure | Security State Bank | The First National Bank & Trust |
|---|---|---|
| TellerScore | 77 | 88 (stronger) |
| Capital cushion | 57 | 81 (stronger) |
| Loan quality | 78 | 81 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 74 | 96 (stronger) |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 68th | 92nd |
| Total assets | $279.5M | $294.0M |
| Deposits / shares | $247.9M | $265.0M |
| Capital ratio | 10.73% | 13.09% (stronger) |
| Problem loans | 0.67% | 0.56% (stronger) |
| Net charge-offs | 0.05% | -0.05% (stronger) |
| Return on assets | 2.14% (stronger) | 2.12% |
| Loans ÷ deposits | 68.9% | 57.1% (stronger) |
| Uninsured deposits | 30.2% | 19.1% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank & Trust has the higher TellerScore (88 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Security State Bank leads on 1 and The First National Bank & Trust on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.