Side-by-side · Q2 2026 data
The Fairfield National Bank vs First Community Bank, Xenia-Flora
Metric by metric
| Measure | The Fairfield National Bank | First Community Bank, Xenia-Flora |
|---|---|---|
| TellerScore | 65 | 86 (stronger) |
| Capital cushion | 69 | 70 (stronger) |
| Loan quality | 50 | 93 (stronger) |
| Earnings | 47 | 90 (stronger) |
| Funding & liquidity | 91 | 96 (stronger) |
| Problem-loan coverage | 87 | 98 (stronger) |
| Peer percentile | 29th | 81st |
| Total assets | $620.9M | $55.5M |
| Deposits / shares | $410.2M | $47.3M |
| Capital ratio | 11.89% | 12.03% (stronger) |
| Problem loans | 1.51% | 0.22% (stronger) |
| Net charge-offs | 0.31% | -0.04% (stronger) |
| Return on assets | 0.69% | 1.76% (stronger) |
| Loans ÷ deposits | 68.9% | 64.6% (stronger) |
| Uninsured deposits | 9.0% (stronger) | 11.9% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Bank, Xenia-Flora has the higher TellerScore (86 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Fairfield National Bank leads on 1 and First Community Bank, Xenia-Flora on 6. 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.