Side-by-side · Q2 2026 data
The First National Bank and Trust vs First Bank of Boaz
Metric by metric
| Measure | The First National Bank and Trust | First Bank of Boaz |
|---|---|---|
| TellerScore | 74 | 88 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 97 | 98 (stronger) |
| Earnings | 40 | 54 (stronger) |
| Funding & liquidity | 84 | 85 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 57th | 92nd |
| Total assets | $238.6M | $239.8M |
| Deposits / shares | $218.9M | $208.0M |
| Capital ratio | 11.54% | 19.66% (stronger) |
| Problem loans | 0.10% | 0.05% (stronger) |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 0.50% | 0.85% (stronger) |
| Loans ÷ deposits | 67.8% | 33.2% (stronger) |
| Uninsured deposits | 22.8% (stronger) | 29.0% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank of Boaz has the higher TellerScore (88 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank and Trust leads on 1 and First Bank of Boaz on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.