Side-by-side · Q2 2026 data
The Fairfield National Bank vs FNBC Bank & Trust
Metric by metric
| Measure | The Fairfield National Bank | FNBC Bank & Trust |
|---|---|---|
| TellerScore | 65 | 77 (stronger) |
| Capital cushion | 69 (stronger) | 50 |
| Loan quality | 50 | 99 (stronger) |
| Earnings | 47 | 67 (stronger) |
| Funding & liquidity | 91 (stronger) | 89 |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 29th | 68th |
| Total assets | $620.9M | $581.6M |
| Deposits / shares | $410.2M | $525.1M |
| Capital ratio | 11.89% (stronger) | 10.02% |
| Problem loans | 1.51% | 0.04% (stronger) |
| Net charge-offs | 0.31% | -0.01% (stronger) |
| Return on assets | 0.69% | 1.18% (stronger) |
| Loans ÷ deposits | 68.9% | 61.8% (stronger) |
| Uninsured deposits | 9.0% (stronger) | 23.3% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.3% |
FNBC Bank & Trust has the higher TellerScore (77 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Fairfield National Bank leads on 2 and FNBC Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.