Side-by-side · Q2 2026 data
The Falls City National Bank vs NBT Financial Bank
Metric by metric
| Measure | The Falls City National Bank | NBT Financial Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 0 | 24 (stronger) |
| Earnings | 100 (stronger) | 72 |
| Funding & liquidity | 66 (stronger) | 35 |
| Problem-loan coverage | 91 (stronger) | 70 |
| Peer percentile | 40th | 7th |
| Total assets | $597.1M | $618.7M |
| Deposits / shares | $498.0M | $540.1M |
| Capital ratio | 16.33% (stronger) | 10.85% |
| Problem loans | 3.22% | 2.29% (stronger) |
| Net charge-offs | 0.15% | 0.02% (stronger) |
| Return on assets | 2.03% (stronger) | 1.29% |
| Loans ÷ deposits | 27.3% (stronger) | 83.8% |
| Uninsured deposits | 45.7% (stronger) | 51.8% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | 22.2% |
The Falls City National Bank has the higher TellerScore (69 vs 50). On the 7 directional measures above (where higher or lower is clearly better), The Falls City National Bank leads on 5 and NBT Financial Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.