Side-by-side · Q2 2026 data
The First Central National Bank of St. Paris vs Wright-Patt Credit Union, Inc.
Bank
The First Central National Bank of St. Paris
St. Paris, Ohio · Under $100 million in assets
Metric by metric
| Measure | The First Central National Bank of St. Paris | Wright-Patt Credit Union, Inc. |
|---|---|---|
| TellerScore | 87 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 99 (stronger) | 63 |
| Earnings | 50 | 65 (stronger) |
| Funding & liquidity | 84 (stronger) | 77 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 84th | 50th |
| Total assets | $97.0M | $9.5B |
| Deposits / shares | $76.8M | $8.2B |
| Capital ratio | 18.89% (stronger) | 11.32% |
| Problem loans | 0.02% (stronger) | 1.10% |
| Net charge-offs | 0.00% (stronger) | 1.07% |
| Return on assets | 0.75% | 1.14% (stronger) |
| Loans ÷ deposits | 76.2% (stronger) | 83.7% |
| Uninsured deposits | 10.6% | 7.9% (stronger) |
| Offices | 4 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 34.1% |
The First Central National Bank of St. Paris has the higher TellerScore (87 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The First Central National Bank of St. Paris leads on 5 and Wright-Patt Credit Union, Inc. on 2. 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.