Side-by-side · Q2 2026 data
The Bank of LaFayette, Georgia vs First National Community Bank
Metric by metric
| Measure | The Bank of LaFayette, Georgia | First National Community Bank |
|---|---|---|
| TellerScore | 56 | 84 (stronger) |
| Capital cushion | 44 | 79 (stronger) |
| Loan quality | 52 | 86 (stronger) |
| Earnings | 57 | 96 (stronger) |
| Funding & liquidity | 75 (stronger) | 64 |
| Problem-loan coverage | 74 | 96 (stronger) |
| Peer percentile | 13th | 86th |
| Total assets | $446.8M | $754.7M |
| Deposits / shares | $396.2M | $653.2M |
| Capital ratio | 9.35% | 12.92% (stronger) |
| Problem loans | 1.44% | 0.43% (stronger) |
| Net charge-offs | -0.05% (stronger) | -0.01% |
| Return on assets | 0.93% | 1.90% (stronger) |
| Loans ÷ deposits | 44.3% (stronger) | 81.6% |
| Uninsured deposits | 37.3% | 28.2% (stronger) |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | 10.0% |
First National Community Bank has the higher TellerScore (84 vs 56). On the 7 directional measures above (where higher or lower is clearly better), The Bank of LaFayette, Georgia leads on 2 and First National Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.