Side-by-side · Q2 2026 data
The Fairfield National Bank vs Legence Bank
Metric by metric
| Measure | The Fairfield National Bank | Legence Bank |
|---|---|---|
| TellerScore | 65 | 70 (stronger) |
| Capital cushion | 69 (stronger) | 45 |
| Loan quality | 50 | 61 (stronger) |
| Earnings | 47 | 98 (stronger) |
| Funding & liquidity | 91 (stronger) | 84 |
| Problem-loan coverage | 87 (stronger) | 86 |
| Peer percentile | 29th | 43rd |
| Total assets | $620.9M | $642.9M |
| Deposits / shares | $410.2M | $573.6M |
| Capital ratio | 11.89% (stronger) | 9.55% |
| Problem loans | 1.51% | 1.17% (stronger) |
| Net charge-offs | 0.31% (stronger) | 0.44% |
| Return on assets | 0.69% | 1.96% (stronger) |
| Loans ÷ deposits | 68.9% (stronger) | 69.0% |
| Uninsured deposits | 9.0% (stronger) | 21.2% |
| Offices | 3 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.3% |
Legence Bank has the higher TellerScore (70 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Fairfield National Bank leads on 4 and Legence Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.